The Oddest Things Ever Covered by Insurance (and How to Make Sure You’re Covered) 

Insurance can feel pretty routine. You get car protection, maybe some homeowners or renters insurance, and call it good. But in Washington state, where people love to keep things interesting, coverage has gone in some weird directions. From celebrity body parts to paranormal events, the policy world has policies that are as unique as Bigfoot sightings. 

Ready to see the oddest policies ever sold? And if you’re wondering, yes — many of them could be available to you (if you’re daring enough). Here’s a look at the wild world of odd insurance. 

Body Part and Celebrity Quirk Insurance 

Celebrities get insured for things you might not think twice about. Take Mariah Carey. She insured her voice for millions. That’s right. Her voice alone is worth more than most people’s homes. Even her legs are insured for a cool $35 million each! Why? Because if she loses her singing voice or injures her legs, she loses her career. For her, it’s practical. For the rest of us, it’s just plain weird. 

And it’s not just pop stars that get weird insurance. Athletes, actors, and even chefs take out policies on specific body parts. Soccer players insure their feet. Chefs sometimes insure their hands. If you’re attached to a particular body part (pun intended) or maybe something simpler, like your fancy red car, this type of policy could technically be yours, too. 

Feeling inspired? Before you call your local policy agent to protect your jump shot or fishing hand, consider some standard policies that might be useful here in the PNW. 

Animal Protection That’s Absolutely Bananas 

Pets are part of the family, right? In Washington, plenty of people have pet protection. But that’s not the weird part. Some people have some of the oddest insurance on … unusual animals. Think show cows, famous racing pigeons, or prized Angora rabbits. These animals bring in money, so people insure them just like any other asset. If they get sick or injured, these policies help cover the costs. 

Take Japan, for instance, where a parrot with a talent for mimicry was once insured to protect its high value as a performer. In the U.S., people have insured pigs, snakes, and llamas. If you’re a llama rancher out in Cle Elum, you might just find this type of policy worth looking into. For everyone else, it’s just a quirky footnote. 

If you have more traditional pets, like a dog or cat, think about pet insurance, which will likely cover vet bills without getting too bizarre. 

Paranormal Protection — Spooky, Yet Practical? 

The Pacific Northwest is spooky. There’s the misty forests, gray skies, and, of course, Bigfoot. It seems fitting that paranormal coverage exists. While Bigfoot himself doesn’t have a policy (yet), haunted house insurance is a thing. There’s even protection against ghost sightings. Some hotels and historical sites purchase this to help cover “ghost-related incidents” reported by guests. 

In London, one famous pub has ghost coverage. The unusual insurance policy covers lost revenue if paranormal activity keeps customers away. If you’re running a bed and breakfast in Port Townsend, one of Washington’s most haunted spots, maybe this could be useful. At the very least, it would make for some fun advertising. 

Alien Abduction Policies for Close Encounters 

Alien abduction insurance. Yes, this exists. And yes, people buy it. It’s the ultimate “just in case” policy. Thousands of people around the world, including some right here in Washington, believe they could be abducted by aliens. Companies sell alien abduction policies to cover medical expenses or “lost income” if someone’s taken on a space adventure against their will. 

In the PNW, where UFO sightings have spiked over the years, it’s not the wildest idea. Some folks want a little peace of mind in case they end up on an intergalactic joyride. Of course, claiming alien coverage isn’t easy. You’d need proof of abduction, which raises all kinds of questions. But hey, if you believe, why not? 

Insuring Your Fantasy Football Team 

In the digital age, people are getting serious about fantasy football insurance. You heard that right. Fantasy sports can be lucrative if you’re a high-stakes player. If a star player in your lineup gets injured, you could be out thousands. So, some fantasy leagues offer “player injury insurance” to help offset that loss. 

If you’re a die-hard Seahawks fan and play fantasy football every year, this might make sense. Although most of us just play for fun, there’s always someone who takes fantasy football to a new level. And that person probably has protection. 

Washington state providers may not offer fantasy team coverage, but you can still look into options for your small business or startup. This business insurance overview can help protect your actual income, not just fantasy dollars. 

Coverage for Your Pet Rock Collection 

Believe it or not, there are weird insurance policies for collections. Stamps, coins, and … pet rocks? Yes, some people really do insure their pet rocks. Not only do pet rocks have sentimental value, but some rare stones can be worth a lot of money. 

In Washington, there are folks who collect fossils, crystals, and rare stones. These are often covered under home insurance policies if they’re valuable enough. But pet rocks? Those are a whole different category. Collectors in the PNW who want to protect their quirky items can often add them to a homeowners or renters policy. 

Making Sure You’re Covered — The Basics Without the Boredom 

Now that you know what’s out there when it comes to funny protection claims, you might be tempted to explore some unusual insurance yourself. While insuring your voice or pet rock may sound funny, for some people, these policies offer real peace of mind. Even if they’re not practical for everyone, they show how coverage can cover almost anything. 

Remember, most Washington state residents stick to the basics. Car protection, home and maybe a renters policy. If you’re still wondering what’s best for you, visit Vern Fonk Insurance in person to find all the essentials for keeping you and your “stuff” protected. Whether you’re in Seattle, Spokane, or Snohomish, there’s a policy to fit your life. Give us a call at (800) 455-8276 or request a quote online to get started!