5 types of insurance you never knew existed

Like most folks, your auto, health, home and life insurance coverage are the standard policies you need in place to protect you against most of the unexpected.

But when you think about it, do they necessarily cover every single risk life may throw your way?

Have you laid awake at night wondering what you’d do if you were abducted by aliens?

You might be deathly afraid of having your house haunted by ghosts, or infested with bedbugs.

You might be fearful that your soon-to-be will change their mind about marrying you — or that you might get cold feet yourself.

Believe it or not, there’s been an insurance claim for each and every one of these rare scenarios. And these aren’t even the strangest. Take a look below at some of the most bizarre, weirdest insurance policies we learned about.

1. Change of heart or cold feet insurance

If the bride or groom decides that “for better or for worse” is being better off without each other, you can get insurance coverage for the sudden change of plans.

Often called change of heart or cold feet coverage, this policy covers the costs of the wedding (the average cost is estimated at $26,645), since guests, caterers, venue rentals, wedding dress and florist costs can run high.

Take note that it doesn’t cover getting stood up at the altar at the last minute; you’ll need to cancel the wedding a full year in advance, and only the bride or groom’s parents get financially reimbursed, not the newly minted exes.

2.Alien abduction insurance

In the event you’re paranoid about having a close encounter, you may be able to land an insurance policy safeguarding you against a UFO or alien abduction. you’ll need to show proof that the flying saucer – and the little green men who poked and prodded you – were, in fact, real in order to collect your damages.

3.Multiple birth insurance

Soon-to-be-parents can’t really be surprised with quadruplets anymore, since ultrasounds and advanced medical technologies can prepare you well in advance. That doesn’t make mothers and fathers any more prepared financially for a (literal) bundle of joy. So, you may consider buying a multiple — or twin — birth insurance policy, which requires you to buy your premium at the time of pregnancy; if twins or more are the result, the policy pays out in cash accordingly to compensate for the extra costs that extra babies bring.

4. Bed bug insurance

Renters and homeowners insurance policies are pretty comprehensive. But they don’t protect you against that most invasive and unwelcome of houseguest: bed bugs. It can cost more than $1,000 to get them exterminated from your domicile! You may consider adding bed bug insurance to your existing renters or homeowners insurance policy; and if you’re a frequent traveler, you can add travel coverage to your rider, since most of the pesky pests are picked up outside the home.

5.Chicken insurance

Most of us are content with having a dog or cat. Most pet insurance policies will cover costly medical expenses and costs of care for felines and canines, but what about the rest? Rest assured, alternative pet owner, some private insurance companies do offer livestock insurance.

No matter what you’re afraid is going to happen to you in life, there’s an insurance policy that will cover you. Whether it’s something common, like the fear of losing the ability to work or the fear of dying young, or something a little more out there insurance has you covered.