1. Alien Abductions:

Believe it or not, some insurance policies provide coverage for damages or injuries sustained during an alien abduction. While the likelihood of encountering extraterrestrial beings might be minimal, it’s intriguing to know that certain policies have you covered—just in case.

2. Falling Satellites:

If a satellite decides to make an unexpected descent and damages your property, you might find solace in knowing that certain home insurance policies cover such unusual events. Falling space debris may seem like a plot from a science fiction movie, but insurance coverage can make it a reality.

3. Zombie Apocalypse:

While a zombie apocalypse may be confined to the realms of fiction, some insurance policies humorously include coverage for damages caused by the undead. Although it’s a scenario that exists purely in imagination, it’s interesting to see the creativity insurers put into drafting policies.

4. Volcanic Eruptions:

Living near a volcano? Don’t worry—some insurance policies do cover damages resulting from volcanic eruptions. From lava flows to ash clouds, these policies ensure homeowners are protected against the unique risks associated with residing in volcanic regions.

5. Civil Commotion:

Coverage for damages resulting from civil commotion or social upheaval is a quirky inclusion in some home insurance policies. While it might seem far-fetched, these policies acknowledge the unpredictable nature of societal events and provide protection against associated damages.

6. Damage by Meteorites:

If a meteorite happens to make an unexpected crash landing on your property, certain insurance policies consider it a covered event. While meteorite impacts are rare, the possibility is fascinatingly recognized by some insurers.

7. Identity Theft Expenses:

In the digital age, identity theft has become a prevalent concern. Surprisingly, some home insurance policies extend coverage to include expenses related to identity theft, offering financial protection against the modern risks of cybercrime.

8. Tree Damage by Aircraft:

While aircraft-related damages are typically associated with crashes or accidents, some policies go the extra mile by covering damages caused specifically by trees felled by low-flying aircraft. It’s an unusual scenario, but insurance coverage is designed to address the unexpected.

9. Dog Bites:

While not entirely weird, the inclusion of dog bites in home insurance coverage might surprise some. Homeowners’ policies often cover liability for injuries caused by your furry friends, emphasizing the comprehensive nature of insurance protection.

10. Wedding Gifts:

In some cases, home insurance policies provide coverage for wedding gifts. If you receive valuable gifts and they are damaged or stolen, your insurance may step in to compensate for the loss.

Call Larsen Insurance for a Free Quote!

Curious about what your home insurance covers? Call Larsen Insurance at 763-783-1188 for a free insurance quote. We’re located in Andover, Minnesota, and proudly serve the entire Twin Cities metro area, including Andover, Coon Rapids, Blaine, Anoka, Brooklyn Park, Ham Lake, and more. Our team is ready to help you navigate the unique aspects of insurance coverage, no matter how unusual or unexpected they may be. Don’t hesitate to reach out—let’s ensure you have the coverage you need!