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Five Types of Unusual Insurance

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There's a lot of crazy insurance policies out there. The first thing that comes to mind is Lloyd's of London which always seems to be making the news by insurance some movie's star "asset." (J-Lo, if you are reading, that's pun intended.)

More than likely, you won't need to buy insurance on a particular body part. If you do, it's probably a good thing as that means it is likely making you a ton of money.

However, there are a lot of other insurances aren't exactly common, but still useful for a large number of people. I'd like to take a minute and look at those today:

  • Blogging Insurance - Blogging insurance sounds silly until you've been sued a couple of times like I have been. That's the price you pay for being a consumer advocate helping others avoid being scammed.
  • Courier Insurance - I think we all learned from King of Queens that being a UPS driver is no walk in the park, right? If you work for a big service, they'll probably buy the insurance for you. If you work for a smaller independent, you may need to buy your own insurance.
  • Pet Insurance - There's actually two different kinds of pet insurance that I'd like to mention here. There's health insurance for your own pet. That's fairly common, but still not something most people think of. Much more rare is pet sitting insurance. As a dog sitter, I need to get insurance in case something goes wrong while another family trusts me with their dog. Fortunately, this type of insurance is usually covered with the matchmaking service that gets me gigs.
  • Solar Panel Insurance - This is one I have to look into myself. I've had solar panels for 6 months now, and I've been putting off getting them insured. That's got to change with winter coming. They were a big investment and I want to make sure they'll continue saving me money for years.
  • Paranormal Insurance - I'm going to cheat on this one and group a bunch of very unusual insurances under one umbrella. For example, you can get zombie, UFO, ghost insurance. That's might not applicable to a lot of people, but if you add up enough of these small things, it might be a good group. I can't imagine how you'd collect on that kind of insurance claim. Good luck with that one.

Posted on December 9, 2015.

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