11 of the Most Unusual Things People Have Ever Insured

The most unusual things people have ever insured includes a 12-foot long cigar, protecting against alien abductions, the Loch Ness Monster, Tom Jones’ chest hair, and Keith Richards’ middle finger. Scroll down for the eleven most unusual things people have ever insured and find cheap insurance quotes for whatever you may need to insure!

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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: Nov 12, 2020

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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. Because what makes a financial difference for 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.

The 11 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!

1. Hollywood Hottie Twentieth Century Fox once insured Betty Grables’ legs for a staggering $1 million each. This was during the 1940’s, 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 2 or more employees quitting 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 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 in over 12 feet long and was made from more than 15,000 tobacco leaves. In case you are 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 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 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 1930’s. 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.

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