Whether you love or hate what they’ve done with Scully and Mulder, the popularity of “The X-Files” reboot proves that many of us want to believe. So in honor of all things paranormal, we’re lightening up on the blog today and talking about real-life unusual insurance policies designed to protect their holders from every imaginable earthly -- or non-earthly -- thing.
We had to start with this one. There are actual homeowners insurance policies that will protect people in case of alien abduction. Maybe it’s considered theft? And if the abduction results in a pregnancy, there’s a little extra coverage. Some insurance companies offer coverage in the unlikely event that a UFO crash lands on your roof. Think of the property damage!
Did you see the werewolf episode of the reboot? Definitely the best. But maybe some people didn’t get the memo that it’s fiction! Reportedly, Lloyd’s of London has written policies that protect people not only in the case of werewolf attacks, but vampire attacks as well. Rest easy, full moon fearers.
It was reported that in 2006, a European insurance company provided coverage to women who feared the cost of raising a child who came into being through immaculate conception. In the event of a virgin birth, the policyholders would be provided the funds to raise the child. The insurance company claimed they gave the premiums to charity, but eventually cancelled the policies after receiving pressure from the church to do so.
Death by Ghost
Rumor has it that a hotel owner in England witnessed a ghost bellying up to the bar in his hotel. Fearing for his guests’ and employees’ safety -- obviously -- he took out a policy that would pay 1 million pounds if anyone was killed or permanently disabled by said spirit. If guests or employees received no more than a glancing blow from a flying object, they were on their own apparently.
Do you believe? Or do you think these insurance companies are taking advantage of vulnerable people who want to? Just keep in mind when shopping for insurance that if a company offers to insure you against a zombie apocalypse that they might not have your best interests at heart.