There is the usual home insurance, auto insurance and business insurance. I thought these were the only kinds of insurance (other than Kim Kardashian’s butt). It was surprising to find out other interesting and out-of-the-box things that could be insured. Here are a few things that you could be insured for.
• Weight Loss
As a result of the Affordable Care Act, you may be able to receive free weight-loss counselling under your health insurance plan. This is one of the several free preventive-care services made available through Obama care. I wonder what other counselling or preventive innovations Trump would bring!
• Rodent Damage to your car
Are those cursed mice chewed through your car’s wiring again? The good news is that your auto insurance may pay for the rodent damage. Most insurers provide coverage under comprehensive auto policies if animals such as mice or squirrels damage your vehicle’s electrical system. It’s considered an “other than collision” auto claim, and you would not be held at fault for it, she says. Check the language of your policy, though, to make sure it provides this sort of coverage. Some policies don’t. And that is one silly yet important issue to get insured for.
• Dog Bites
If your dog bites someone, your homeowner’s policy should provide coverage to help settle the legal and medical bills. The good thing is one-third of all homeowners insurance liability claims are related to dog bites. Homeowners insurance also provides medical coverage to pay doctors’ bills if someone is injured by your pet or on your property. This insurance is a necessity for all those new-pet-owner.
• Dorm-Room Theft
If Junior’s flat-screen TV disappears from his dormitory, don’t panic. Most parents’ homeowner’s insurance policies provide protection for college students’ belongings while they’re away from home. The rules vary by insurer, but most
require the student to be living on campus, enrolled in school full-time and younger than 26, according to the National Association of Insurance
I admit the chances are slim that a meteorite, satellite or other falling object will strike you, your home or your car. But slim odds aren’t the same as zero odds. Rest assured, though, that your insurance should provide protection in such an unlikely event.
According to the Insurance Information Institute, damage caused by falling objects usually is covered under standard life, auto and homeowners policies. Homeowners policies cover damage to the home and to belongings inside it. The optional comprehensive portion of an auto policy covers damage to a car, and the liability portion of a policy would kick in if a falling object caused an accident.