11 of the Most Unusual Things People Have Ever Insured

Unusual things people have insured include a 12-foot long cigar, protection against alien abductions, the Loch Ness Monster, Tom Jones’ chest hair, and Keith Richards’ middle finger. The 11 most unusual things have been insured by various actors, musicians, and more. For those items not on a list of unusual things people have insured, it is important to compare rates when trying to find car, life, and home insurance.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Dec 11, 2020

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The Rundown

  • Millions of dollars in insurance policies are featured on the list.
  • Celebrities have insured many strange items, including a cigar and facial hair.
  • Insurance policies of your own can be found after comparing rates.

Interested in learning about 11 of the most unusual things people have ever insured?

First, we should mention the purpose of insurance is to protect the owner of the policy from financial losses in the event that something happens to the property being insured. This is the same for all forms of insurance, including car insurance and life insurance.

Because what makes a financial difference for a person or company is not the same as it is for another, there is a long list of unusual things which have been insured to protect the interests of their owners.

When looking to name something people get insurance for, the possibilities are endless!

The 11 of the most unusual things people have ever insured presented here are pretty strange, but they are only the top of the list. There are thousands of such items insured right now, all over the world!

After reading about the most unusual things people have ever insured, it’ll be time to find affordable car, life, and home insurance. Compare affordable insurance rates using our free comparison tool.

What are the most unusual things people have ever insured?

Each item below contains unusual insurance policies made by various people. The specific insurance company used to ensure these items aren’t listed with the most unusual things people have ever insured.

1. Hollywood Hottie

Twentieth Century Fox once insured Betty Grable’s legs for a staggering $1 million each. This was during the 1940s, and a million dollars was equivalent to about a billion dollars in today’s money.

2. Lottery Winner Insurance For Employers

In the United Kingdom, employers can purchase insurance against having two or more employees quit because they won the National Lottery.

This policy would only pay out if the company lost at least two employees during the same drawing, which sets the odds of collecting on the policy astronomically high.

3. A TV Game Show

The American game show, “Who Wants to Be a Millionaire,” is actually insured against the possibility of a contestant winning.

When considered from that perspective, it isn’t a question of who wants to be a millionaire as much as it is a question of who wants to pay out that much money.

4. Super Cigar

The most expensive insurance policy issued for a cigar was written by Lloyd’s of London. The cigar in question is over 12 feet long and was made from more than 15,000 tobacco leaves. In case you were wondering, the cigar holds the world record for the longest cigar.

5. Alien Abduction

It is possible to purchase insurance against alien abductions.

Around the nation, more than $10 million dollars in alien abduction insurance has been written, with higher payouts available for people who are abducted frequently. Keep in mind, proving that you were abducted will be necessary before you collect.

6. Magic Finger

Keith Richards, the guitarist for the hit rock band The Rolling Stones, has his middle guitar finger insured for more than $1.5 million dollars. Not the whole hand either — just a single finger.

7. The Voice that Sells

Bruce Springsteen, well known for his unique vocal qualities, has his voice insured for an impressive amount. If something should happen to Bruce’s voice, he stands to gain an impressive $6 million.

8. To Catch a Monster

The Loch Ness Monster has been an item of hot debate for decades, but there are those among us who are willing to bet that it will never be found.

The Cutty Sark Company has a waiting prize of $1.5 million for anyone who captures the creature alive. To cover their own losses, the company also has an insurance policy that will pay out if someone actually does come forward with Nessie on a leash.

9. Personal Vanity and Facial Hair

Merv Hughes, an Australian cricket player, considers his mustache to be a trademark of who he is. For that reason, his famous handlebar mustache is insured in the amount of around $400,000.

10. Personal Vanity and Body Hair

The American singer, Tom Jones, thinks of his chest hair as his most redeeming individual quality. Because it’s so important to his personal image, Tom has his chest hair insured for several million dollars.

11. Talk to the Hands

Harvey Lowe insured his hands for $150,000 during the 1930s.

The reason for such a large policy (because that was a lot of money when the policy was written) is because Harvey was the world yo-yo champion and his hands had taken him there. He first began using a yo-yo when he was in his early teens and continued to do so for many decades.

After reading this list of the most unusual things people have ever insured, you might be looking to buy your own car, life, or home insurance. Read on!

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How can you find your own car insurance?

While you’ve seen 11 of the most unusual things people have ever insured, you may simply be looking for affordable car, life, or home insurance.

No matter what type of insurance you need, it is important to consider many factors before deciding on a company. You must first determine all your needs and wants while considering your budget as well.

Those not on the list of most unusual things people have ever insured will want to compare life, car, and home insurance rates. For example, check out the chart below to see how car insurance rates can differ based on the vehicle you drive.

Average Annual Car Insurance Rates by Make and Model by Company
Group2015 Ford F-150
Lariat SuperCab with 2WD 6.5 foot bed and 2.7L V6 Average Annual Rates
2015 Honda Civic Sedan
LX with 2.0L 4cyl and CVT Average Annual Rates
2015 Toyota RAV4
XLE Average Annual Rates
2018 Ford F-150
Lariat SuperCab with 2WD 6.5 foot bed and 2.7L V6 Average Annual Rates
2018 Honda Civic Sedan
LX with 2.0L 4cyl and CVT Average Annual Rates
2018 Toyota RAV4
XLE Average Annual Rates
Allstate$4,429.74$4,753.69$4,324.99$5,491.12$5,380.28$4,947.90
American$3,447.30$3,178.82$3,326.18$3,487.91$3,721.32$3,496.99
Farmers$4,093.50$4,405.21$3,728.22$4,390.19$4,779.51$3,769.00
Geico$3,092.11$3,092.58$3,090.89$3,338.40$3,338.87$3,337.18
Liberty Mutual$5,830.16$5,869.32$5,825.33$5,988.85$6,682.63$6,244.44
Nationwide$3,571.01$3,547.84$3,517.03$3,373.64$3,361.93$3,328.57
Progressive$3,914.05$4,429.56$3,647.22$3,962.58$4,528.90$3,730.78
State Farm$3,204.23$3,024.24$3,226.02$3,497.17$3,189.99$3,418.33
Travelers$4,023.47$4,420.37$4,383.78$4,412.42$4,661.22$4,708.19
USAA$2,551.56$2,409.67$2,454.58$2,855.69$2,422.66$2,529.63
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It is also important to be aware of the specific insurance laws in your state, some of which can be found via the National Association of Insurance Commissioners.

There are many different forms of insurance out there and it can be a pain trying to learn about them all. That’s why we offer plenty of information on our page. We also offer information on the best insurance companies.

Now that you’ve seen the most unusual things people have ever insured, are you ready to buy insurance? Use our helpful comparison tool to compare insurance quotes from top companies in your area.

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