10 crazy insurance policies you didn't know existed

Here are 10 policies you may not have heard of, but here's the thing about insurance: You never know when you'll need it, or what you'll need it for.

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Mar 20, 2014 8:49PM
You don't need any alien abduction insurance.  We always bring people back..  They might not be the same,  but we bring them back to Earth.
Mar 12, 2014 10:12AM
I can't believe all the negative comments about insurance, sure they make a lot of money that's why they're in business. Will they try to screw the customer, sure, all companies, what ever they sell will do that if they have the chance, but if your house burns down or you come down with some very serious medical problem you will be very grateful that you have insurance.  The average house costs about 300,000 dollars and a serious medical problem can easily run up to 100,000 dollars in just a few weeks, that's why you have insurance, so you're not destroyed.
Mar 12, 2014 9:30AM

This is to Frugalwise:

You have been very lucky.... and some people are not so lucky. Is the State Farm for your car or your house.

I have been hit from behind in the car and both insurance companies covered the expense and I also had a fire in my house and I'll tell you right now $40,000 doesn't even come close to covering the damage. And what about all the Super Storm Sandy victims, did they ask for the destruction of their homes ( permanent and vacation ). Insurance doesn't even cover it and don't even get me started on the tornadoes.....Sometimes where you live is your choice and sometimes it is a must. Insurance is a racket but it does help when something bad happens and things are out of your control.

Mar 4, 2014 3:00PM

  Could not agree more with with BeingHonest080312. Insurance companies rake in money and resist paying claims. Simple math, how much money do they take in, and how much do they pay out? (the whole industry) Who pays for the slew of advertising and buildings, and their huge salaries? WE DO. The balance  sheet of the industry is jaw dropping,and irrefutable.

Mar 21, 2014 11:08AM
How about Government Stupidity and Intrusion Insurance? Some company could sell a sh*t load of that.
Mar 12, 2014 10:26AM
I can't see divorce insurance.  All of the other insurances are based on things out of your control like kidnapping.  Divorce insurance seems like it could be scammed too easily. Especially when couples divorce and remarry Ie. Liz Taylor and Richard Burton. It is called a pre-nup. You know in advance what you are getting out of the marriage  It just seems that if your house burns and it is arson you don't get money.  You can't collect off a life policy if you killed policy holder. The premiums are probably more expense than the alternative.
Mar 12, 2014 8:59AM
Insurance is old time mob enforced protection racket gone corporate, of course they will let you gamble on anything you have the money to gamble on, just keep closely watching the particulars on the contracts, exclusionary tactics were invented by insurance companies!
Mar 21, 2014 10:14AM
Iinsurance is a lot like air. You don't even notice it or even miss it until you have none, then it suddenly becomes very important.  Ten Questions-The Insider's Guide to Saving Money on Auto Insurance is your most powerful weapon in the battle against high insurance rates. Don't pay for coverage you don't need and can't possibly use.
Mar 21, 2014 9:48AM
Wish I'd bought that divorce insurance.
Mar 21, 2014 10:10AM
Pretty soon you will need an insurance policy for rogue robots.
Mar 3, 2014 8:51PM
One thing to consider with any insurance.  Insurance companies do not get tall skyscrapers from paying claims.  They get those from taking in premiums.  One other bit of knowledge.  If an agent brags about his or her company's assets, that should be a red flag.  They get assets by denying claims.  Almost all insurance is worthless.  That is a major reason you don't get the policy until after you've paid a premium.  They know most people won't read the policy and the little print is in the policy.
Mar 20, 2014 11:07PM
Obama will draw a line in the sand on insurance companies. The US Government will soon add a new Cabinet position ... Secretary of Insurances. The taxpayers will pick up the tab.
Mar 21, 2014 1:34PM

Insurance is a type of legal gambling.

One has to check the odds on what to insure.

House - yes. Car - yes.

Flood - where do you live?

Pet - how much do you love Fluffy?

Golf; don't play - no. Infertility; don't want kids - no.

Think before calling a broker.

Mar 20, 2014 8:43PM
I can see the usefulness of many of these policies but not marriage insurance. After all, they say that half of all marriages fail within the first two years so in order for this kind of policy to be profitable for the Insurance company they would have to charge a small fortune for it - more than it would be worth to the average person. Insurance is for things that are not likely to happen to the average person. Divorce is almost a forgone conclusion though.  
Mar 20, 2014 11:05PM

OBAMA will issue an Executive Order giving insurance to all ... This is to be named ...

The Un American Un Affordable Un Insurance Act.

Mar 12, 2014 8:36AM
I agree with the comments already made. The only insurance I have ever bought is the kind the law says. And I do not agree. I have paid over $40,000 to State Farm over the past 20 years and NEVER filed a claim in those 25 years. That is enough money to cover any damage I might cause in the future if I had put that money to work for myself. I would never, and never did, consider life insurance. My suggestion is to take the premium and put it in an account and pay yourself. If you need the money it will be there. Insurance companies use fear as their method to extract money from you.
Mar 21, 2014 1:57PM
Is there a Hopey Changey policy that pays off on a public servant lying to get the job and for some reason able to keep that job even when the job couldn't be called well done even by his mommy?
Mar 20, 2014 11:08PM
In short, OBAMA is a weak sister - incompetent as well.
Mar 20, 2014 11:08PM
OBAMA will send the insurance companies a harsh letter indicating his displeasure of the cost of insurance policies.
Mar 12, 2014 9:07AM
I'm surpise they don't have sex insurance in case something goes wrong when trying to performing something new that goes wrong. with all the porno business im shock i didnt see it on this list.
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