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Top 20 Weird Things You Can Insure

Today, I’m going to share the top 20 weird things you can insure. This is a collection of neat things we found online that people have insured.

Some of these examples are really hard to believe. Each story is cited with where we found it online. Enjoy the read.

Weird Things You Can Insure

Top 20 Weird Things You Can Insure

# 20 Wars and Terrorism (including riots)

I never knew you could insure war or terrorism, but it is an option.

In 2010, the country of Thailand was afraid of losing tourism dollars due to political upheaval and protests. So it offered up to $10,000 to anyone experiencing loss or damage due to the turmoil. It also offered tourists up to $100 per day for travel delays caused by demonstrations.

Source: Wisebread

# 19 Teeth

I don’t have the nicest teeth myself, but if I did, I would insure them!

America Ferrerra was representing Aquafresh White Trays when they decided to take out a $10 million policy on her gorgeous pearly whites – and put out a press release about it. It wasn’t all for publicity, though, sales of the product helped raise money for a charity called “Smiles for Success” that gives dental care to women leaving welfare to return to work.

Source: celebitchy

# 18 Spoiled Food

Got food in the fridge? Expecting to lose power for a few days and worried about the food going bad? Yes, you can insure that food!

While homeowners’ insurance policies vary by company, Marc McLaughlin with the Property and Casualty Division of the Bureau of Insurance with the State Corporation Commission said there are specific policy’s that homeowners can purchase to protect food loss. Those policies typically cost anywhere from $15 to $50 a year.

 Source: WSLS

Engagement rings evolved as a form of virginity insurance

# 17 Special Events (Wedding, Birthday, Halloween, Bar Mitzvahs)

Got a big birthday party planned, but worried that things might not go as expected? You should consider special event insurance.

Special event insurance is a type of insurance that individuals or organizations purchase to cover their liabilities when hosting events, such as weddings or fundraisers. Basic one-day event insurance averages about $125. That cost can go up based on the number of attendees, the location, and any planned activities.

Source: FitSmallBusiness.com

# 16 Satellites

If I owned a satellite, I would insure it!

You’d think it would be hard to get a policy on something literally shot into orbit and left unprotected in space for a prolonged period of time. And yet Lloyd’s was the first to insure satellites, starting with Intelstat 1 in the 1970s. Lloyd’s value the policies at $100 million each, and they mean business. In 1984, the company put up financing for a space shuttle and a crew of five astronauts to reclaim two rogue satellites.

Source: Haven Life

# 15 Plants

Is your landscaping the eye of your community? Does your business or home have extravagant landscaping? If so, check this out.

Landscaping insurance provides protection against financial losses arising from third-party claims from bodily injury and property damage. Business property insurance and workers’ compensation are additional policies that cover equipment and other assets of landscaping businesses and their employees. The annual cost of landscaping general liability insurance starts around $400 for most small business owners.

Source: FitSmallBusiness.com

# 14 Photography Gear

Did you know there is special insurance for photographers? Yep. Check this out.

Like any insurance, photography insurance is when you pay a fee, usually on a monthly or yearly basis, that protects you from having to pay a lot of money if something goes wrong related to your business. Photographer insurance can cover anything from damage to your photography equipment to injury and lawsuits. There are a lot of upfront expenses when it comes to starting your own photography business, like investing in a camera and accessories, business cards, website hosting and more.

Source: Format

# 13 Patio & Patio Furniture

If you have a detached patio and/or patio furniture, this is worth checking out.

In most cases, the dwelling insurance part of your homeowner’s policy covers the repair and rebuilding of the structure of your home. If your patio is not attached to the property, however, it doesn’t qualify as part of the dwelling — so you might need to purchase what is known as “other structures protection.”

Source: GOBankingRates

# 12 Professional Liability (Yoga/Personal Trainer)

This is another one of the weird things you can insure: professional liability.

Professional Liability Insurance, also referred as Malpractice Insurance, can cover the cost of legal fees. Your insurance policy will also cover any settlements or judgments that come as a result of lawsuits and claims against you. Your policy can open in a new window even cover any lost wages due to the time and process of a claim.

Source: Marine Agency

# 11 Multiple Births

This might just be the weirdest thing on this list. Do “twins” run in your family? Pregnant, but don’t know what you will have?

Multiple Birth Insurance, this type of coverage helps families “protect” against having more than one child per pregnancy.

We all know that babies cost money, placing great strain on the bottom line of every family they enter. And one of the few things more disruptive than a baby on a family’s budget — is another baby, or two, or three.

Source: Coverhound

# 10 Lottery Insurance – For Companies

This one makes me laugh. Companies can purchase lottery insurance in case their employees win the lottery.

Imagine that you own a company and a large group of your employees entered a lottery pool, and won. You’d be excited for them, right? Well, that excitement might not last if half of your staff decides to retire on the spot. Lloyd’s of London is among the companies that offers insurance for such a scenario, to cover loss of productivity and the hiring of temps and new staff.

Source: Wisebread

# 9 Loch Ness Monster

Ha, ha, ha! This is something I would love to see.

In the early 1970’s, Cutty Sark Whisky ran a promotional contest stating if someone were to capture Nessie, The Loch Ness Monster, during a specified time, they’d pay out a million pounds. Cutty Sark purchased a policy from Lloyd’s that would pay the reward in the event someone actually did catch the beast. Written into the policy were conditions, including a measurement of 20 feet in length or more and verification as the Loch Ness monster by the curators of the Natural History Museum.

Source: PSA

# 8 Legs

Got nice legs? Make your living with them? If so, check this out!

Insured by razor maker Gillette, Mariah Carey’s legs were protected after she became the spokeswoman for their “Legs of a Goddess” campaign. Out of all the strange body parts insured by celebrities, Mariah has the most expensive in the world – her legs are insured for a ground-shattering one billion dollars.

Source: List25

# 7 Kidnapping

People do get kidnapped. It’s sad, but true. Human trafficking is a HUGE problem. Plus, some countries are known for people getting kidnapped. If you’re traveling somewhere high risk, or are a high risk person, you should check out kidnapping insurance.

An insurance policy purchased to protect individuals when working or travelling in high-risk areas such as Latin America, the Middle East, and Eastern Europe. Kidnap and ransom insurance, also known as K&R insurance, will reimburse the insured for ransom payments (both those paid, and those lost in transit) and cover perils such as kidnapping, extortion, wrongful detention, and hijacking in addition to providing coverage for death and dismemberment, disablement, and medical care for the kidnap victim. A K&R insurance policy may also reimburse the insured for crisis management consultants who provide advice on how best to respond to an incident.

Source: Super Brokers

# 6 Key Business Person’s Death

This one isn’t all that weird to be, but it would be for some people. If you own a business and have good people running it, you might want to consider this.

Key person insurance is simply life insurance on the key person in a business. In a small business, this is usually the owner, the founders or perhaps a key employee or two. These are the people who are crucial to a business–the ones whose absence would sink the company. You definitely need to consider key person insurance on those people.

Source: Entrepreneur

# 5 Insurance for a “Change of Heart”

Runaway brides, this one is for you!

A partner changing their mind last minute on their wedding day. Wedding insurance provides coverage for things that could go wrong leading up to or on the Big Day, including a runaway bride.

Source: Global Financial

# 4 Insurance Against Death by Laughter

Is your spouse or good friend really, really funny? Can they make you laugh until your stomach hurts? If so, check this out.

Back in the 1900s Lloyd’s of London issued a $1m policy that would pay out if any film-goers died from excessive laughter. And while we’re on the subject, American comedian Rich Hall, probably wins the prize for hardest claim to prove, having insured himself for $1 million just in case he loses his sense of humour.

Source: Sunlife UK

Pepsi ran a sweepstakes to win $1 billion in 2003, and paid $10 million for insurance

# 3 Hole-in-One Prize

Getting a hole in one is like a dream come true, unless you are the golf course offering a prize for anyone who gets one.

Hole-in-one insurance is a type of price-indemnification coverage. It’s named for insurance taken out by golf-tournament sponsors that run contests offering big-ticket prizes to one or more contestants who make a hole in one on a single try.

Source: Investopedia

# 2 Fantasy Football

Fantasy Football is a huge industry, so there is no doubt in my mind why this made the list.

Insurance policies would cover claims for fantasy football owners whose players suffer major injuries during the season.

The Fantasy Sports Trade Association (FSTA) estimates that 41 million people play fantasy sports annually, with the overwhelming majority — 33 million — engaged in fantasy football.

Source: Risk&Insurance

# 1 Alien Abduction

Aliens. Really? Yes, you can buy alien abduction insurance.

Alien Abduction Insurance (AAI) also known as UFO insurance is supposed to cover you in the event that you can prove that you have been abducted by non-human life forms, more commonly known as “aliens”, provided the terms and conditions of the policy are met along with conditions that would substantiate the proof.

Source: the balance

Final Thoughts

There you have it folks. These are the top 20 weird things you can insure. Which one is your favorite and why? Leave a comment below to let us know what you think. If you have something weird we could add to this list of weird things you can insure, feel free to let us know. Have a great day!

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The Different Types of Insurance: A Detailed List

Today, we’re going to discuss the different types of insurance. This is by no mean an all-inclusive list. In fact, if you can think of something we missed, please leave a comment at the end of this post and let us know.

People can insure almost anything. I’ve heard strange stories of people insuring their luggage, their pets, their voice, their feet and countless other things. To each their own! Different things have different value to different people. Protecting what is valuable and important to you just makes sense!

In my opinion, insurance is a good thing. If nothing else, it can give you peace of mind.

The Different Types of Insurance

The Different Types of Insurance

In the paragraphs below, I am going to share the different types of insurance that I could find online. This is by no means an all inclusive list; however, it is a good starting point with the different types of insurance you can purchase in the marketplace. They are listed in alphabetical order.

What I’ve done is cited different credible sources online, which give a definition of each type of insurance. I’ve also included a link to their website in case you want additional information.

# 1 Auto Insurance

If you lease or own a vehicle, you will want auto insurance. In most cases, it’s required by law.

Auto insurance is a contract between you and the insurance company that protects you against financial loss in the event of an accident or theft. In exchange for your paying a premium, the insurance company agrees to pay your losses as outlined in your policy.

Source: Insurance Information Institute

# 2 Aviation Insurance

Own an airplane? I don’t yet, but it’s on my bucket list.

Aircraft insurance that provides liability and property coverage for aircraft. Aircraft insurance, also called aviation insurance, can be purchased for a number of different types of aircraft, including standard, experimental, and vintage aircraft, as well as seaplanes.

Source: Investopedia

# 3 Boat Insurance

Own a jet ski or motor boat of some type. If so, you should educate yourself on boat insurance.

Boat insurance covers your watercraft in the event of damage, theft or any other unpredictable circumstance, depending on the insurer and level of coverage you choose.

Source: Finder

# 4 Business Insurance

Are you an entrepreneur like I am? If so, make sure you protect yourself AND your business!

The term “business insurance” pertains to protecting against operational losses by a business. What type of loss is covered by a business insurance policy depends on the insurance company, the policy wording, and local limitations.

Source: Business Inqurance Quote

# 5 Commercial Property Insurance

If you own commercial property, you should learn more about commercial property insurance.

If there’s any chance of your commercial property being affected by theft, fire or natural disaster, expensive repair needs or even lost revenue – and there is definitely a chance of all of those things – then commercial property insurance is well worth considering. This type of coverage isn’t just commercial building insurance; it covers property such as heavy equipment, computers, raw materials, inventory, supplies, furniture, fixtures and more, whether you rent or own the workspace – it can even cover property left in the care of your business. Consider this type of coverage virtually essential if your location houses physical assets upon which your business’s revenue stream relies.

Source: Bizfluent

# 6 Dental Insurance

It’s pretty easy to take your gums and teeth for granted. However, make sure you take care of those pearly whites!

Dental insurance pays a portion of costs associated with preventive, minor, and some major dental care.

Source: United Health Care

# 7 Earthquake Insurance

Depending on where you live, earthquake insurance might be VERY important.

Earthquake insurance covers your home and personal belongings against seismic damage. It may also pay for your additional living expenses if earthquake damage forces you from your home for an extended period.

Source: Policy Genius

# 8 Flood Insurance

If you live near the water, or in a flood zone, this is something you should consider. In many cases, if you are still paying for the property, you will be required to have it.

Flood insurance protects a structure and its contents from water damage caused by a flood, which is technically defined as a temporary condition where two or more acres of normally dry land are inundated by water or mudflow. Homeowners insurance does not cover damages caused by a flood, so anyone with a home in an area susceptible to flooding should consider purchasing flood insurance.

Source: Value Penguin

As an athlete, I understood the value of my health insurance

# 9 Health Insurance

Your health is your wealth. I learned that a long time ago. This is something most people already have and something EVERYONE should have!

Health insurance is a type of insurance coverage that covers the cost of an insured individual’s medical and surgical expenses.

Source: Medical News Today

# 10 Home Owner’s Insurance

Own your home? Make sure you insure it in case something unexpected happens to it!

Homeowners’ insurance, also called home insurance, provides financial protection in the event that the homeowner’s house or its contents are damaged. It also provides protection in case the insured or her family are held liable for injuries to other people or damage to their possessions while they are on the property.

Source: Bankrate

# 11 Identify Theft

We live in the digital age. Identify theft is becoming more and more common. I hope it doesn’t happen to you, but there is a pretty high likelihood that you will be an identify theft victim at some point in your life. Make sure you protect yourself.

Identity theft insurance is designed to cover some of the costs related to identity theft. It reimburses victims for money spent on reclaiming their financial identities and repairing their credit reports. Those costs can range from phone bills to legal help. Policies often provide specialists who can help guide victims through the identity restoration process.

Source: Life Lock

# 12 Kidnap and Ransom Insurance

I hope this never happens to you or any of your loved ones. If you are from a political family, wealthy family or famous family, this coverage is worth considering.

Kidnap and ransom insurance is a specialty crime coverage that protects against financial losses that arise when an insured is threatened with kidnap, extortion or illegal detention domestically or abroad.

Source: Insurance Business Asia

You buy life insurance because those you love are going to live

# 13 Life Insurance

We’re all going to die at some point in our life. The purpose of life insurance is to protect the loved ones you leave behind.

Life insurance is a type of insurance contract which pays out a lump sum to your dependents should you pass away during the term of the contract. The cost of a policy is determined by a number of factors including your age, health and lifestyle.

Source: Money Super Market

# 14 Long-Term Care Insurance

We all get older every single day of our lives. We will all get “old” one day. Hopefully, you will have the proper insurance to make sure you can live comfortably if you need to live in some type of assisted living facility.

By the time you reach 65, chances are about 50-50 that you’ll require paid long-term care (LTC) someday. If you pay out of pocket, you’ll spend $140,000 on average. Yet you probably haven’t planned for that financial risk. Only 7.2 million or so Americans have LTC insurance, which covers many of the costs of a nursing home, assisted living or in-home care — expenses that aren’t covered by Medicare. “Long-term care is the unsolved problem for so many people,” says Christine Benz, director of personal finance at Morningstar, an investment research firm in Chicago.

Source: AARP

# 15 Motorcycle Insurance

Attention biker chicks and biker dudes! Make sure you insure your motorcycle.

Motorcycle insurance provides financial protection in the event of a motorcycle accident, loss, theft or damage. Motorcycle insurance includes liability coverage in case you are responsible for another person’s injuries or property damage. These policies provide coverage for motorcycles, choppers, fast street bikes or “crotch rockets,” mopeds, and even Segways.

Source: Trusted Choice

# 16 Pet Insurance

Got a pet that you just love? Consider protecting your cat, dog, bird or animal with the proper pet insurance.

Pet insurance (also known as pet health insurance) helps cover the cost of veterinary care if your pet becomes ill or injured. Some pet insurance plans also provide reimbursement for wellness procedures such as vaccinations, heartworm testing and spaying/neutering.

Source: PetMD

# 17 Renter’s Insurance

Do you rent? If so, you might want to consider renter’s insurance.

Simply put, renters insurance (sometimes called tenant insurance) is an insurance policy you pay for to help cover you and your belongings in the event of an incident, including anything from fire to theft. Usually your landlord’s insurance will cover repairs to the property itself—say, if there’s a leaking ceiling—but will not protect your own belongings (the TV and rug that were damaged because of the leak) or the cost of having to live elsewhere if you need to move out during repairs. (Legally, landlords are only responsible to their tenants if they were aware of unsafe conditions and didn’t repair them within a reasonable time frame.)

Source: Real Simple

# 18 Shipping Insurance

If you’re shipping something valuable, you might want to consider shipping insurance.

Shipping insurance is a service that reimburses some or all of the delivery fees and the value of a shipment should it becomes damaged or lost in transit. It can be a complimentary service included by default with shipping charges or as an additional charge through the carrier or a third-party insurance provider.

Source: Ship Station

# 19 Travel Insurance

If you’re traveling abroad on that much needed get away, this is something worth looking into. Also, if you travel for work, this might be worth considering.

Travel insurance could cover medical expenses, trip cancellation or delays, lost or stolen baggage and personal liability while you’re travelling. The type of cover you need will depend on the countries you’re visiting, the activities you’ll be doing and the length of your trip. You’ll also need to state whether you want travel insurance for a single trip, multiple trips or for backpacking.

Source: Compare the Market

# 20 Umbrella Insurance

If you own a home, have a business or just want to protect yourself with extra liability protection, you should explore an umbrella policy.

An umbrella policy is an insurance policy that provides extra liability insurance coverage. The coverage exceeds the limits of the insured’s car, boat, house, etc. An umbrella policy provides an extra layer of security to people who believe they are at risk of lawsuits resulting from damage to other people’s property. The insured also believes that he or she is at risk of lawsuits resulting from injuries in an accident.

Source: Market Business News

# 21 Vision Insurance

If you have your eyes and can still see, you may want to consider vision insurance.

The term “vision insurance” is commonly used to describe health and wellness plans designed to reduce your costs for routine preventive eye care (eye exams) and prescription eyewear (eyeglasses and contact lenses). Some vision plans also offer discounts on elective vision correction surgery, such as LASIK and PRK.

Source: All About Vision

# 22 Weather Insurance

If your business or livelihood can be affected by the weather, make sure you learn more about weather insurance.

Weather insurance is a type of protection against a financial loss that may be incurred because of rain, snow, storms, wind, fog, undesirable temperatures or other adverse, measurable weather conditions. Weather insurance is used to insure an expensive event that could be ruined by bad weather, like an outdoor wedding or an outdoor film production.

Source: Investopedia

# 23 Worker’s Compensation Insurance

If you own a business, in most cases the law will require you to purchase this

Workers’ compensation insurance is a vital (and, unless you’re in Texas, legally mandated) part of your business.

Workers’ compensation, or workers’ comp, is an insurance program that provides benefits to workers who were injured or became ill on the job to make up for medical costs and lost wages while they were out of work.

Source: Business.com

What Now?

Quite perhaps the best thing you can do right now is sit down with a licensed insurance agent and find out what types of insurance apply to your unique situation. Assess your situation, get a few different quotes and do what is best for you and your family. You might also want to consult with your CPA and attorney for any suggestions they might have.

Final Thoughts

There you have it folks. These are the different types of insurance I can think of. What did I forget? Leave a comment below to share your thoughts. I look forward to hearing from you.

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Top 10 Insurance Adjuster Jokes

Insurance adjuster jokes are always funny. In today’s post, I’m going to share the best of the best.

It is always healthy for a profession to be able to poke fun at itself. Claims adjuster jokes are a dime a dozen. Just so you know that we are an equal-opportunity group when it comes to making fun of people, you can easily replace the words ‘claims adjuster’ with attorney and the jokes will be just as funny (if not more so).

Though some of these jokes have been heard by the adjuster handling your case, it probably is not a good idea to share these jokes with him or her while your claim is still open.

Top 10 Insurance Adjuster Jokes

Here are some of my favorites. In addition, if you have heard any good insurance adjuster jokes that we don’t have listed here, just leave a comment at the end of this post to share it.

Joke # 1

Q: What do you call an insurance adjuster on the ocean floor?

A: A good start.

Joke # 2

Q: What is the difference between a claims adjuster and a whole life insurance policy?

A: The whole life insurance policy will some day mature.

Joke # 3

Q: What do you get when you cross a claims adjuster with a baboon?

A: Who knows; there are some things that a baboon just will not do.

Joke # 4

Two women are having drinks at happy hour when one of them finally musters the nerve to ask the other, “Do you and your husband ever have mutual climax?” The other thinks for a moment, then replies, “No, I am pretty sure that we have State Farm.”

Joke # 5

Q: What is the scientific term for an ethical insurance adjuster?

A: We have no idea … do you?

insurance adjuster jokes

Joke # 6

Arguing with an insurance adjuster over the value of your claim is like wrestling with a pig in the mud. After a while, you begin to realize that he likes it.

Joke # 7

Q: Why does a claims adjuster make a lousy lover?

A: They skip the foreplay and go straight to the screwing.

Joke # 8

An eight-year-old girl came home from school and told her mother “At recess, Johnny asked me to play doctor with him.”

“Oh, goodness”, her mother sighed. “Tell me everything that happened, sweetheart.”

“Well, not much; he just made me wait for an hour and then double-billed our insurance company.”

Joke # 9

An insurance adjuster, a teacher and a masseuse were in a fishing boat together. All of a sudden, their boat hit a rock which tore a large hole in the bottom of the boat. To their chagrin, the trio quickly discovered that the life raft was only large enough for two occupants. A beautiful tropical island was within sight, but the water around them was infested with man-eating sharks.

While the teacher and the masseuse were discussing options, the insurance adjuster just dove into the water and began swimming towards the island. Relieved, the other two got into the raft and paddled away.

The two eventually reached the island shore and were shocked to find the insurance adjuster sitting in the shade of a palm tree sipping milk from a coconut shell. “How in the world did you get through all of those sharks?” they wanted to know.

“It was easy”, he replied, sipping from the coconut, “just old-fashioned professional courtesy.”

Joke # 10

An insurance adjuster was teaching his 16-year-old son to drive when the brakes suddenly failed while they were going down a steep hill in a residential neighborhood.

“It won’t stop!” the son yelled. “What do I do?”

“Brace for impact” yelled Dad “and for God’s sake, try to hit something cheap.”

Final Thoughts

There you have it folks. These are our top 10 insurance adjuster jokes. What are your thoughts? Which joke is your favorite and why? Leave a comment below to let me know what you think.

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