Winter Weather Preparations

If you live in area where it snows you know the drill. Three to four months of heavy clothes, seeing your breath and generally freezing outside.  But beyond the inconvenience and discomfort, a winter storm or other severe weather conditions can cause real damage. So it’s important to think about winter preparedness.

Protecting your home is vital. A frozen water pipe can burst and flood your house or basement. An ice dam in your gutter can cause water to seep into and saturate an interior wall. And then there’s your car. Making sure it’s prepped to face winter’s worst is just as critical. After all, what would happen if a blizzard stranded you in your car?  Below you will find tips for preparing your home and auto for the upcoming winter months.

Curious on how your homeowners and auto insurance will respond to winter risks? Please give our office a call and we’ll be happy to answer your questions.


Prepare yourself
Some winter weather tips to help you get through a severe stretch of cold:

  • Stay indoors during the storm.
  • Walk carefully on snowy, icy walkways.
  • Avoid overexertion when shoveling snow. It’s a serious workout, and going at it too hard can bring on a heart attack − a major cause of death in the winter. If you must shovel snow, stretch before going outside.
  • Stay dry. Wet clothing loses all of its insulating value and transmits the cold rapidly.

Cold-related injuries

  • Watch for signs of frostbite: loss of feeling and white or pale appearance in extremities. If any of these occur, get medical help immediately.
  • Watch for signs of hypothermia: uncontrollable shivering, memory loss, disorientation, incoherence, slurred speech, drowsiness and apparent exhaustion.
  • If any of the hypothermia symptoms appear, get yourself (or the victim) to a warm location, remove wet clothing, and warm the center of the body first. Give the patient warm, non-alcoholic beverages if they are conscious. And of course, get medical help as soon as possible.

Prepare your home
Some tips to brace your home for a winter storm:

  • Clean out the gutters, disconnect and drain all outside hoses. If possible, shut off outside water valves.
  • Insulate walls and attics, and caulk and weather-strip doors and windows.
  • Repair roof leaks and remove tree branches that could get weighed down with ice or snow and fall on your house – or your neighbor’s. (Avoid liability for the latter.)
  • Wrap water pipes in your basement or crawl spaces with insulation sleeves to slow heat transfer.
  • Consider an insulated blanket for your hot water heater.
  • If you have a fireplace, keep the flue closed when you’re not using it.
  • Have a contractor check your roof to see if it would sustain the weight of a heavy snowfall.
  • Make sure your furniture isn’t blocking your home’s heating vents.
  • During cold spells, keep cabinet doors open to allow warm air to circulate around pipes, particularly those in the kitchen and bathrooms.
  • Keep a slow trickle of water flowing through faucets connected to pipes that run through unheated or unprotected spaces.
  • If your house will be unattended during cold periods, consider draining the water system.
  • Avoid ice dams – where water from melted snow refreezes in the gutters and seeps in under the roof, soaking interior walls.

Prepare your car
According to the Department of Transportation, 22% of all vehicle crashes in the U.S. – and 16% of the fatalities – are due to severe weather such as rain, snow, sleet and ice. So, prepare your car for treacherous conditions and extremely cold temperatures – and know what to do if you find yourself stranded in a vehicle. When the temperatures start to drop:

  • Drive only if it is absolutely necessary. If you must drive, travel during the day.
  • Don’t travel alone. Keep others informed of your schedule.
  • Stay on main roads and avoid back road shortcuts.
  • Top off antifreeze, windshield wiper fluid, gas, oil and other fluids.
  • Make sure your tires have enough tread. Consider snow tires.
  • Keep bagged salt or sand in the trunk for extra traction and to melt ice.
  • Clear snow from the top of the car, headlights and windows.
  • Save the numbers for your auto club, insurance agent and towing service into your cell phone.
  • Keep a cold-weather kit in your trunk. It should include a blanket or sleeping bag, gloves, hard candy, bottled water, folding shovel, first aid kit, flashlight and cell phone charger.

If you’re trapped in a vehicle

  • Remain inside. Rescuers are more likely to find you there.
  • Run the engine and heater about 10 minutes every hour. Clear any snow from the exhaust pipe to reduce your risk of carbon monoxide poisoning.
  • Move around to maintain heat.
  • Use maps, floor mats and seat covers for insulation.
  • Take turns sleeping. Someone should always be awake to alert rescuers.
  • Drink fluids to avoid dehydration.
  • Turn on the inside light at night so rescue crews can find you.
  • If you’re stranded in a remote area, stomp out the words “SOS” or “HELP” in the snow.
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Halloween Safety Tips

Did you know that over $2 billion will be spent on Halloween candy this year? Or how about $330 million on just pet costumes?

We know that Halloween is one of children’s favorite holidays. The chance to dress up in a costume and fill bags with candy is a sure way to excite any youngster. (Plus, the fact that the average trick-or-treater consumes the equivalent of 220 packets of sugar on this holiday doesn’t hurt either.)

For parents, though, the night can be a little stressful as you worry about your kids’ safety. With that in mind, we have compiled an infographic with 31 interesting statistics and facts associated with Halloween along with a brief list of safety tips. We encourage you to take a look at it just in case there is a tip or two that will help you avoid any potential accidents or danger.

Safety Tips

Trick-or-treating

  • Make sure your children take flashlights so they can avoid tripping over obstacles on the sidewalk or in yards.  Flashlights and glow sticks will also help your children be seen by motorists.
  • If you allow your older kids to go out without your supervision, make sure they go out in a group.  Don’t ever allow your kids to go out alone or even in pairs; make sure they go out with at least 3-4 other kids.
  • Map out their route so you know where they will be and when they should be home.
  • Tell your kids to only stop at familiar homes where you know the residents and where the outside lights are on.
  • Instruct your kids to WALK from house to house and NEVER run.
  • Make sure your kids know to never enter anyone’s home, to never accept rides from strangers, and to never take shortcuts through yards or other dimly lit areas

Costumes

  • Costumes should be light enough to be clearly visible to motorists.  You may even want to add reflective tape to both your child’s costume and bag.
  • Make sure your child’s costume is labeled flame-resistant.
  • Costumes should be short to prevent trips and falls.
  • Try cosmetic face paint rather than a mask.   Masks, especially on children, may not fit properly and can obstruct vision.
  • Be sure to remove all face paint that night to prevent skin irritation.

Candy

  • Don’t allow your child to eat any candy before you have a chance to inspect it for choking hazards or tampering.
  • Only permit your child to eat candy that is unopened in its original wrapper.  Any homemade or unwrapped candy should be discarded.
  • A good way to prevent your kids from eating any candy before they get home is to make sure you give them a meal or snack right before they go out.
  • Above all else, limit the amount of candy your child eats after they get home or you will be dealing with one big stomachache.

Adults

  • Use additional caution when driving a vehicle.   Lookout for children who might run into traffic from behind parked cars or other obstacles.
  • Turn on your porch and any other exterior lights to welcome trick-or-treaters to your home.
  • Remove any obstacles from your lawns, steps or porches that could be a tripping hazard for children or adults.
  • Keep all jack-o’-lanterns from doorsteps or steps where a child could brush by the flame with their costume.
  • If you keep your jack-o’-lantern inside, place it on a sturdy table away from curtains or other ignitable decorations and out of reach from children and pets.

Tips to Avoid Purchasing a Flood Car

As we’ve all seen recently in the news, hurricanes (and the floods that result from them) can create enormous damage to properties and vehicles. In fact, one recent estimate from Hurricane Harvey, estimated over 200,000 vehicles would be totaled due to flood damaged.As we’ve all seen recently in the news, hurricanes (and the floods that result from them) can create enormous damage to properties and vehicles. In fact, one recent estimate from Hurricane Harvey, estimated over 200,000 vehicles would be totaled due to flood damaged.
If you are in the market for a new vehicle, be wary, as flood vehicles offer a tempting opportunity for criminals to defraud unsuspecting consumers. By definition, a flood vehicle has been completely or partially submerged in water to the extent that its body, engine, transmission or other mechanical component parts have been damaged.
If the vehicle is so damaged that it is no longer operable, the driver’s insurance company settles the claim by buying the vehicle and selling it as a “salvage” at an auto auction.
Dishonest and unscrupulous car dealers buy the vehicles, dry and clean them, yet leave plenty of hidden flood damage. They then transport the vehicles to states unaffected by the storm or natural disaster and sell them as used vehicles to unsuspecting buyers.
These dishonest dealers will not disclose the damage on the vehicle’s title as they are required, which is a crime called “title washing.” The vehicles are then sold with the hidden damage.
Below are some tips to help you avoid purchasing a vehicle that may be flood damaged.


Fraud prevention tips
Consumers can take preventive measures before purchasing a used vehicle to avoid being victimized by flood vehicle fraud:

  • Select a reputable car dealer.
  • Inspect the vehicle for water stains, mildew, sand or silt under the carpets, floor mats, headliner cloth and behind the dashboard.
  • Check for recently shampooed carpet.
  • Inspect the interior upholstery and door panels for fading.
  • Check for rust on screws in the console or areas where water normally doesn’t reach.
  • Check for mud or grit in the spare tire compartment, alternator crevices, behind wiring harnesses, around the small recesses of starter motors, power steering pumps and relays.
  • Check inside the seatbelt retractors by pulling the seatbelt all the way out and inspect for moisture, mildew or grime.
  • Check door speakers as they will often be damaged due to flooding.
  • Have a certified mechanic inspect the vehicle prior to purchasing it.
  • Ask about the vehicle’s history. Ask whether it was in any accidents or floods.
  • Inspect the title and ownership papers for any potential or questionable salvage fraud.
  • Conduct a title search of the vehicle.
  • Look under the hood for signs of oxidation. Pull back rubber boots around electrical and mechanical connections for these indicators: Ferrous materials will show signs of rust and copper will show a green patina
  • Aluminum and alloys will have a white powder and pitting.
  • Trust your instincts: If you don’t like the answers or the deal sounds too good to be true, walk away!

Protecting Your Home From Mold

When it comes to keeping your home mold-free, a strong offense is definitely your best defense. To prevent mold, eliminate moisture from your home and be on the lookout for signs of possible growth, such as musty smells or watermarks on walls and ceilings.

Caught early, mold can usually be removed by a thorough cleaning with bleach and water. To prevent mold from re-growing, however, it is essential that the source of the moisture be eliminated and the affected area properly dried, cleaned, and if necessary, replaced. Also, remember to bag and dispose of any material with moldy residue such as rags, paper or debris.

Mold, like rot and insect infestation, is generally not covered by a homeowners insurance policy. Standard homeowners policies provide coverage for disasters that are sudden and accidental. They are not designed to cover the cost of cleaning and maintaining a home. If, however, mold is the direct result of a covered peril such as a burst pipe, there could be coverage for the cost of eliminating the mold.

To help prevent the growth of mold in your home, take a look at our suggestions below.  If you would like to find out how your homeowners insurance will respond in the event of a mold-related claim, please contact our office.


According to the Centers for Disease Control and Prevention (CDC), mold is everywhere. It grows year-round and can be found both indoors and outdoors. Outdoors, mold is commonly found in shady, damp areas and in soil. Indoors, it can be found where humidity and moisture levels are high, such as in basements, kitchens, bathrooms and on ceilings and wall interiors where water from leaky pipes, roofs or windows can accumulate. While most molds pose no threat to humans, the CDC warns that certain molds can produce hay fever-like allergic symptoms. If you or your children have symptoms associated with mold, see a physician. Keep in mind, that many symptoms associated with mold exposure are common to other illnesses.

Reduce Humidity In Your Home

  • Keep the humidity level in your home between 30 percent to 60 percent by using air conditioners or dehumidifiers.
  • Put exhaust fans in kitchens and bathrooms.
  • Don’t install carpets in damp areas such as basements or bathrooms.
  • Don’t let water accumulate under house plants.

Use Mold-Reducing Products

  • Clean bathrooms with bleach and other mold killing products.
  • Add mold inhibitors to paints before application.

Keep Your Home and Belongings Dry

  • Inspect hoses, pipes and fittings – Consider replacing hoses to major appliances like washer and dishwasher every five years. A typical water hose costs $5-$10
    • Refrigerator ice maker and water dispenser
    • Water heater
    • Washer
    • Dishwashers
    • Kitchen and bathroom sinks
    • Bathroom toilets
  • Keep gutters clean of leaves and other debris.
  • Maintain your roof to prevent water from seeping into your home.

Be Careful After A Flood Or Other Water Damage

  • Properly dry or remove soaked carpets, padding and upholstery within 24-48 hours after a flood to prevent mold growth. Anything that can’t be properly dried should be discarded.
  • Remove standing water as quickly as possible. Standing water is a breeding ground for microorganisms, which can become airborne and inhaled.
  • Wash and disinfect all areas that have been flooded. This includes walls, floors, closets, shelves, as well as heating and air-conditioning systems.

If you have any questions regarding mold and homeowners insurance, contact our office. We can provide information on how to maintain your home and may also be able to provide the name of an expert in mold-remediation. You can get more information on mold by accessing the Center for Disease Control.

Back-to-School Tips for Parents

Move over, summer–a new school year is coming! With the start of school, families face new organization challenges. School bells ring–and so do early-morning alarm clocks. Paper piles swell as hand-outs and homework stream into the house.

Shorter autumn days bring a hectic round of sports, activities and events, and calendars fill with cryptic notes. Can the holidays be far behind?

Get organized now for the best school year ever! Use these ideas to prepare your home and family for the busy days ahead.


Making the First Day Easier

  • If your child seems nervous, remind him or her that there are probably a lot of students who are uneasy about the first day of school. This may be at any age. Teachers know that students are nervous and will make an extra effort to make sure everyone feels as comfortable as possible.
  • Point out the positive aspects of starting school to create positive anticipation about the first day. Your child will see old friends and meet new ones. Refresh his or her positive memories about previous years, when he or she may have returned home after the first day with high spirits because of a good time.
  • Find another child in the neighborhood with whom your student can walk to school or ride on the bus.
  • If it is a new school for your child, attend any available orientations and take an opportunity to tour the school before the first day.

Backpack Safety

  • Choose a backpack with wide, padded shoulder straps and a padded back.
  • Pack light. Organize the backpack to use all of its compartments. Pack heavier items closest to the center of the back. The backpack should never weigh more than 10 to 20 percent of your child’s body weight. Go through the pack with your child weekly, and remove unneeded items to keep it light.
  • Always use both shoulder straps. Slinging a backpack over one shoulder can strain muscles.
  • If your school allows, consider a rolling backpack. This type of backpack may be a good choice for students who must tote a heavy load. Remember that rolling backpacks still must be carried up stairs, they may be difficult to roll in snow, and they may not fit in some lockers.

Traveling To and From School

School Bus

  • Children should always board and exit the bus at locations that provide safe access to the bus or to the school building.​
  • Remind your child to wait for the bus to stop before approaching it from the curb.
  • Make sure your child walks where he or she can see the bus driver (which means the driver will be able to see him or her, too).
  • Remind your child to look both ways to see that no other traffic is coming before crossing the street, just in case traffic does not stop as required.
  • Check on the school’s policy regarding food on the bus. Eating on the bus can present a problem for students with food allergies and can also lead to infestations of insects and vermin on the vehicles.
  • If your child has a chronic condition that could result in an emergency on the bus, make sure you work with the school nurse or other school health personnel to have a bus emergency plan.​

​Car

  • All passengers should wear a seat belt and/or an age- and size-appropriate car seat or booster seat.
  • Your child should ride in a belt-positioning booster seat until the vehicle’s seat belt fits properly (usually when the child reaches about 4′ 9″ in height and is between 8 to 12 years of age). This means that the child is tall enough to sit against the vehicle seat back with her legs bent at the knees and feet hanging down and the shoulder belt lies across the middle of the chest and shoulder, not the neck or throat; the lap belt is low and snug across the thighs, and not the stomach.
  • Remember that many crashes occur while novice teen drivers are going to and from school. You should require seat belt use, limit the number of teen passengers, and do not allow eating, drinking, cell phone conversations (even when using hands-free devices or speakerphone), texting, or other mobile device use to prevent driver distraction. Limit nighttime driving and driving in inclement weather. Familiarize yourself with your state’s graduated driver’s license law and consider the use of a parent-teen driver agreement to facilitate the early driving learning process.

Bike

  • Always wear a bicycle helmet, no matter how short or long the ride.
  • Ride on the right, in the same direction as auto traffic and ride in bake lanes if they are present.
  • Use appropriate hand signals.
  • Respect traffic lights and stop signs.
  • Wear bright-colored clothing to increase visibility. White or light-colored clothing and reflective gear is especially important after dark.

Walking to School

  • Make sure your child’s walk to school is a safe route with well-trained adult crossing guards at every intersection.
  • Identify other children in the neighborhood with whom your child can walk to school. In neighborhoods with higher levels of traffic, consider organizing a “walking school bus,” in which an adult accompanies a group of neighborhood children walking to school.
  • Be realistic about your child’s pedestrian skills. Because small children are impulsive and less cautious around traffic, carefully consider whether or not your child is ready to walk to school without adult supervision.
  • If your children are young or are walking to a new school, walk with them or have another adult walk with them the first week or until you are sure they know the route and can do it safely.

Eating During the School Day

  • Studies show that children who eat a nutritious breakfast function better. They do better in school, and have better concentration and more energy.
  • Most schools regularly send schedules of cafeteria menus home and/or have them posted on the school’s website. With this advance information, you can plan on packing lunch on the days when the main course is one your child prefers not to eat.
  • Look into what is offered inside and outside of the cafeteria, including vending machines, a la carte, school stores, snack carts, and fundraisers held during the school day. All foods sold during the school day must meet nutrition standards established by the US Department of Agriculture (USDA). They should stock healthy choices such as fresh fruit, low-fat dairy products, water, and 100% fruit juice.
  • Each 12-ounce soft drink contains approximately 10 teaspoons of sugar and 150 calories. Drinking just one can of soda a day increases a child’s risk of obesity by 60%. Choose healthier options (such as water and appropriately sized juice and low-fat dairy products) to send in your child’s lunch.

Developing Good Homework & Study Habits

  • Create an environment that is conducive to doing homework starting at a young age. Children need a consistent work space in their bedroom or another part of the home that is quiet, without distractions, and promotes study.
  • Schedule ample time for homework; build this time into choices about participation in after school activities.
  • Establish a household rule that the TV and other electronic distractions stay off during homework time.
  • Supervise computer and Internet use.
  • By high school, it’s not uncommon for teachers to ask students to submit homework electronically and perform other tasks on a computer. If your child doesn’t have access to a computer or the Internet at home, work with teachers and school administration to develop appropriate accommodations.
  • Be available to answer questions and offer assistance, but never do your child’s homework for him or her.
  • Take steps to help alleviate eye fatigue, neck fatigue and brain fatigue while studying. It may be helpful to close the books for a few minutes, stretch, and take a break periodically when it will not be too disruptive.
  • If your child is struggling with a particular subject, speak with your child’s teacher for recommendations on how you or another person can help your child at home or at school. If you have concerns about the assignments your child is receiving, talk with his or her teacher.
  • If your child is having difficulty focusing on or completing homework, discuss this with your child’s teacher, school counselor, or health care provider.
  • Some children may need help remembering their assignments. Work with your child and his or her teacher to develop an appropriate way to keep track of his or her assignments–such as an assignment notebook.
  • Establish a good sleep routine. Insufficient sleep is associated with lower academic achievement in middle school, high school and college, as well as higher rates of absenteeism and tardiness. The optimal amount of sleep for most adolescents (13 to 18 years of age) is in the range of 8 to 10 hours per night.

Keeping Kids Safe with Cell Phones

It’s natural to worry when your child is ready for her first cell phone, even if you think he or she is generally responsible. Yes, this device is an instrument of connection, and it will allow you and your child to be more connected when you’re apart. But it’s also a symbol of separation, a reminder that your child is now spending enough time at a distance from you – and other supervising adults — to need it. Worse, it’s a harbinger of the dangers lurking in the outside world that threaten to pop up and menace your child at any time, without you there to stop them.

Unfortunately, the statistics around children and cell phone usage won’t help:

  • Studies show that texting begins in the fifth grade, on average.
  • Half of all kids admit they are addicted to their cell phones and worry that they use them too much. Their parents agree, and 36 percent of parents say they have daily arguments with their kids about their phones.
  • Only 4 percent of parents believe their teens have ever texted while driving, while 45 percent of teens admit that they routinely text while driving.
  • Only 11 percent of parents suspect their teens have ever sent, received or forwarded a sexual text, while 41 percent of teens admit they’ve done so.

The problem isn’t with kids today. In fact, the research shows that teens today are more responsible than previous generations. No, the problem is that smart phones pose new risks. Luckily, as a parent things can be done to decrease the risks around cell phone usage.  Below we have listed a number of tips to help:

And while we can’t be there to have these conversations in your stead, we’re here to help protect you most all other risks faced by you and your family.  For any insurance questions, you can always contact our office.


Cell Phone Tips

1. Don’t give your child a phone too early. If your child is with a trusted adult, he shouldn’t need a cell phone. It’s when kids start to walk to school by themselves, or otherwise are without supervision, that they need a cell phone for safety reasons. The younger your child when she gets the cell phone, the more you’re asking of her, because it will just be harder for her to act responsibly with it. Can you trust that she’ll follow your rules about which apps to download, for instance?  How often does he lose things? Some parents give their younger child devices that are more limited than a smart phone, that can’t be used to go online, or to call anyone not authorized by the parent.

2. Agree to rules, before that first cell phone. Most parents think a “contract” with their child is unnecessary and silly. But a written agreement is a great way for your child to step into this new responsibility without you “over-parenting.” When that first cell phone comes with written rules and responsibilities in the form of a signed agreement, young people learn how to handle them responsibly. If you ask your kids what they think the rules should be, and negotiate until you’re happy, they will “own” those rules.

3. Use parental controls.There are parental control apps available for all phones, and iphone have built-in parental controls that can be enabled.

4. Build a foundation. Don’t just buy a cell phone, give a lecture, and hope for the best. Instead, see this as a year-long project. In the beginning, plan to talk with your child every single night about his mobile use that day. Review with him what calls and texts came in and out, what apps he used. Ask how it felt to him to use his phone. Did it change anything in his life to have those calls and texts come in? Were there any challenges as he considered how to respond? When you see a mean text from one friend about another one, you’ll have the perfect opportunity to ask him about social dynamics, listen to the dilemmas he’s facing, and coach him about how to handle these challenges.

5. Talk, and listen. At the dinner table, comment on news stories that involve cell phones, from sexting to dangerous apps to driving deaths. Ask questions about what your child thinks, and listen more. You might find, for instance that your teen thinks sending nude selfies via Snapchat is fine because the photo will self-destruct. But does your child realize that the receiver can take a screenshot, and that there are now apparently ways to subvert the auto-notification that should tell the sender a copy has been made? And does your child know that having a photo of an underage person on his cell phone is illegal?


Cell Phone Suggested Rules

1. Never write or forward a photo, or anything in a text, that you wouldn’t want forwarded to everyone in your school, your principal and your parents.

2. Always ask before you forward a text or photo.

3. Always ask before you take a photo or video.

4. Never post your cell phone number on Facebook, or broadcast it beyond your friends (because it leaves you open to stalking.)

5. Never broadcast your location except in a direct text to friends (because it leaves you open to stalking.) Don’t use location apps that post your location.

6. Never respond to numbers you don’t recognize.

7. If you receive an unsolicited text, that’s spam. Don’t click on it. Instead, tell your parents so they can report the problem and have the caller blocked.

8. Don’t download apps without your parents’ permission.

9. Set up your charging station in the living room so your phone is not in your room at night.

10. No cell phones at the dining room table.

11. No cell phones out of your backpack while you’re in class.

12. If you’re driving, turn off your cell phone and put it in a bag where you can’t reach it in the back seat. (Make sure you have directions before you start out.) Cars kill people.

13. Monitor your phone usage to prevent addiction. Our brains get a little rush of dopamine every time we interact with our phones, so every text you send or receive, every post or update, feels good. Why is that a problem? Because it can distract us from other things that are important but maybe not so immediately rewarding, like connecting with our families, doing our homework, and just thinking about life. To prevent addiction, make sure you block out time every day — like during dinner or homework — when the phone is off.

World’s Weirdest Insurance Policies

Most people are familiar with the standard insurance policies — homeowners, auto, umbrella, life, and health insurance.  What you may not realize is that there are insurance policies available for some off-the-wall risks.  Alien abduction insurance anyone?

From celebrities to the just plain bizarre, here are some of the most unusual insurance policies in the world. For your more “typical” insurance needs, you’re always welcome to contact our office.


Alien Abduction Insurance

Believe it or not, a London based firm has sold more than 30,000 alien abduction insurance policies throughout Europe. Of course, you’ll need to provide proof of the occurrence to file a claim. If you’re a believer, a little green could save you from the little green men.

Don’t Forget Werewolfs, Vampires and Ghosts

Are you a little too into the TV series True Blood? No problem. There’s an insurance policy for you, too. The Royal Falcon Hotel in Lowestoft, England, for example, insured its staff and customers against death and disability caused by ghosts, poltergeists and other abnormal phenomena.

Ransom Reimbursement

Multinational corporations have been known to secure policies for kidnapping, just in case their executives are abducted in another country while on a business trip. But individuals can also purchase this insurance if they so desire. How does it work? The insurance company will deploy a team of negotiators, and will reimburse the ransom price up to your policy limits.

Food Truck Insurance

Here’s one that’s relatively unknown, but necessary if you’re a part of the growingmobile food vendor industry. With up to 10,000 food trucks in Los Angeles County alone, you want to be sure your rolling veggie burrito business is insured. Auto accidents, fire, and food borne illness are just some of the risks they face.

Celebrities And Other Irreplaceable Talents

From rock stars to athletes, the list of over-the-top celebrity insurance policies is a long one, often with major payouts. In fact, just about any body part you can think of has been insured. Here are just a few.

A Dutch Winemaker’s Nose

After hearing about a man who lost his sense of smell in a car accident, winemaker Ilja Gort took out an $8 million policy on his nose. Under the terms of the policy, he is barred from riding a motorcycle or working as a knife thrower’s assistant or fire-breather, among other things.

Gene Simmons

You don’t always have to insure the entire body. Gene Simmons, the legendary bassist for the 70’s rock band Kiss, allegedly insured his tongue for $1 million when the band was in its prime.

Troy Polamalu’s Hair Endorsement

Policies on athletes don’t have to be about performance. For example, while he was still playing Proctor & Gamble wanted to protect their endorsement deal. As the star of their shampoo commercial, they insured his famous hair for $1 million.