You’ve probably heard about insurance for fire, flood, and maybe even earthquakes. But what about…aliens? It may seem crazy, but did you know that some companies sell alien abduction insurance?
Yes, you read that right.
While these novelty policies are more about laughs than legitimate protection, they raise an interesting question: what does your homeowners’ insurance actually cover, and what’s out of this world?
Alien Abduction Insurance?
The most famous alien abduction policy comes from the St. Lawrence Agency in Florida. For around $20, you can buy a certificate promising up to $10 million in coverage if you’re taken by extraterrestrials. The catch? You’ll be paid $1 a year…for the next 10 million years.
And yes, to file a claim, you’d need proof that you were abducted by aliens—a tall order, to say the least.
It’s all in good fun, but it highlights something important: homeowners often assume their policies cover more than they really do.
What Homeowners’ Insurance Really Covers
Unlike alien encounters, here are a few very real (and common) risks that standard homeowners’ insurance typically protects against:
- ⬥ Fire and smoke damage
- ⬥ Windstorms and hail
- ⬥ Theft and vandalism
- ⬥ Water damage from burst pipes
- ⬥ Liability if someone gets hurt on your property
But there are also gaps homeowners should be aware of. Standard policies don’t always cover flooding, earthquakes, or high-value personal items like jewelry without additional riders.
How to Protect Yourself from the Unexpected
Even though abductions by the Greys aren’t on the list, there are ways to make sure your home is protected against real-world surprises:
- Review your policy annually – Know exactly what’s covered and where you might need add-ons.
- Create a home inventory – Keep track of your belongings (HomeZada makes this easy) so you’re prepared if you ever need to file a claim.
- Plan for emergencies – Whether it’s a fire, storm, or something stranger, having an emergency kit and a household plan helps keep you safe.
The Bottom Line
Alien abduction insurance may make for a funny conversation starter, but your real peace of mind comes from knowing your home is covered for the risks that do happen.
So while you probably don’t need a policy against UFOs, take this as a reminder to check in on your actual homeowners’ coverage—and make sure your home is truly protected.
Pro Tip: If aliens did beam up your flat-screen TV, could you prove it was yours? Probably not. But with HomeZada, you can create a digital home inventory in minutes, giving you documentation for insurance claims, estate planning, or just peace of mind.
Because whether it’s fire, flood, or (yes) flying saucers, you’ll know your home is covered.
20 Uncommon Uses for Aluminum Foil
How to Use Technology to Improve Your Finances
Home Inventory Guide: The Hidden Reasons You Can’t Skip This in 2025
