Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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We’re all familiar with auto insurance, house insurance, health insurance, and life insurance, but what else can you insure? As it turns out, people are willing to insure pretty much anything … that is, if you’re willing to pay for it. It’s called “surplus lines” in the insurance biz: covering all those wacky risks the big boys don’t want to handle. How ridiculous does it get? Let’s find out!

iPad Insurance

iPad Insurance

iPads aren’t cheap: they start at $500 and can run all the way up to $1000 or even more. Fortunately, companies like the Worthave Group have your back; insuring your iPad will run you about $32 a year. Oh, and there’s a $50 deductible.

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Travel Insurance

Travel Insurance

Got a major trip coming up? Want to make sure that if something goes wrong — whether it’s missing your flight or a major weather event wiping out half the resort — that you’ll get at least some of your money back. Enter travel insurance; just buy a policy and don’t worry about it. Isn’t that what vacations are for? To stop worrying? There are many types of travel insurance that will help travelers truly relax!

Wedding Insurance

Wedding Insurance

Wedding insurance sounds ridiculous, until you discover the average cost of a wedding in America these days is an eye-popping $29,000! That’s literally money you could buy a new car with (the average new car purchase in America runs $28,000 or so). Hence, the bride and groom (or their parents) generally don’t mind laying down a little more to ensure that they get something back in case of cold feet. And if the worst happens after the wedding…

Divorce Insurance

Divorce Insurance

Divorce is no laughing matter: a lot of divorces can result in serious financial problems. But, fortunately, if you’re not optimistic about your marriage, or just excessively cynical, you can get divorce insurance, which will pay out in the event of a divorce … to the tune of up to $250,000, depending on the policy you get. Of course, to get it, you do have to prove you’re 1) married and 2) not likely to divorce … although after getting this policy, you might be.

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Computer Insurance, Cellphone Insurance, Laptop Insurance, Etc.

Technology insurance

We only singled out the iPad because there’s a specific insurance plan for it, believe it or not. But you can insure pretty much anything that has a circuit in it: smartphones, computers, laptops, even your appliances. Why? Big insurance providers own lots of those … and they don’t want them to break, or to be quickly replaced when they do.

Pet Insurance

Pet insurance

Yes, you can insure your pet from cradle to grave with one pet insurance policy. Most policies cover vet visits, medications, pregnancies, and even “holistic medicine” and acupuncture. Actually, come to think of it, your average dog can get a better health plan for less money than your average person. No wonder so many dogs are smiling; they’re thinking “I’ve got a better health plan than you.”

Jewelry Insurance

Jewelry Insurance

Yes, they actually have specific jewelry insurance. You can get it from the same company that insures professional jewelers and jewelry stores! It’s pretty much what you’d expect: submit the piece for a professional appraisal, and the policy will be based on what the item is worth. If you have a habit of losing things, this might actually be handy. But no, they won’t insure for when all your necklaces get tangled together in a knot, ladies. We asked. Finally, you could also have your personal property covered under your home insurance.

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Clothing Insurance

clothing insurance

Technically called a “Portable Possessions” policy, this is, and we’re not kidding, an insurance policy for those times you accidentally leave your jacket in the cab or your shoes at the vacation house you rented. It’s literally designed to replace those things. It will not, however, protect you from embarrassment if you get pantsed. Homeowners insurance cover clothes when certain catastrophes occur.

Body Part Insurance

Body part insurance

Believe it or not, it is in fact possible to insure specific body parts. Want your legs insured? Go for it. Your butt? Why not? But why is this even done in the first place? Two reasons: 1) it’s always good for some publicity; 2) if a celebrity has endorsements, and something terrible happens, the companies using them want to be able to recoup some of their costs. Still, this type of insurance will go down as one of the weirdest insurance policies!

Spaceship Insurance

Spaceship insurance

Think of it as the ultimate flight insurance: SpaceShip One is a private venture to create a viable, reusable spacecraft. But, needless to say, the people dumping hundreds of millions into this aren’t going to just let their money sit unprotected: SpaceShip One has a $100 million policy on it. Geez, will they insure your toy rocket? We wonder if they took the time to compare insurance with our ZIP code search?

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Giving Birth to Twins

Baby insurance

Believe it or not, if you’re planning on having kids and worried about more than one birth … there’s coverage for that. As wacky as it sounds, this does actually make sense: if you have two babies, the attendant medical expenses at least double. Maybe Octomom sprung for this policy?

Alien Abduction Insurance

Alien insurance

Only one company offers this, but as they themselves put it, it’s “insurance for the person who wants to have everything covered.” As you might have guessed, this is not the most serious of enterprises, but apparently it is technically legal. Mike St. Lawrence, who runs the place, had just better hope aliens decide to steer clear. Then again, if he sells enough of these, they probably will.

Beer Insurance

Beer insurance

All right, all right, you can’t quite insure the six-pack you’re bringing to the party against spills and that jerk from accounting chugging all the good stuff. (Even insurers can’t stop your coworkers.) But if you run a small brewery, you can get insurance tailored to your specific needs. Think of it as a more intense type of business insurance!

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Wild Animals Escaping

Animal Insurance

Do you keep wild, feral animals on your property? Do you worry about them eating people? Yeah, OK, realistically speaking, if you have a wild cougar in your front yard you probably don’t care, but you also probably want to cover yourself if you don’t want to get sued. Luckily, there are $2 million (and more) policies you can get. Largely meant for zoos, they’ll cover anybody with a reasonably safe enclosure holding an extremely unsafe carnivore. Take a look at what it cost to insure Noah’s ark.

Paternity Insurance

Paternity insurance

Finally, we bring you the best insurance for a rock star to have: paternity lawsuit insurance. Apparently, David Lee Roth was so concerned about all the women who could potentially sue him for being the father of their children that he took out a $1 million policy with Lloyd’s. His annual premium? $10,000.

To our knowledge, Roth has not cashed it in.

Fortunately, most of us have simpler insurance needs, and a good home insurance policy can cover most of the unusual items in your home. We’ve got you covered at InsuranceProviders.com — just select the type of insurance below, enter your ZIP code, and we’ll give you the best quotes we can find, for free!