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Apocalypse Insurance

Apocalypse Insurance


All this month we are delving into the “home warranty” commercial that depicts someone asking their insurance agent if a broken central air unit was covered. The agent explains there is no coverage but that there is coverage for other calamities such as volcano & zombie apocalypse.

The capper on the commercial is that the agent states there is coverage for zombie apocalypse. Now granted, “zombie apocalypse”, isn’t a specific peril excluded on a standard home insurance policy. We can, however, distill/classify the event into an event that may or may not be covered.

My opinion is that a “zombie apocalypse” is essentially a societal breakdown, a “riot” or “civil commotion” of sorts. It could also be an “undeclared war” or “military-like action”. Let’s break these down:

A standard homeowners policy has a list of perils insured against as well as a list of excluded perils. The dwelling itself is covered for basically everything except what is excluded/limited on the policy. “Riot” & “civil commotion” is not excluded, but “undeclared war” & “military-like action” are. Same goes for the personal property coverage. There are a few other exclusions to consider as well. “Power failure off residence premise”, “intentional loss”, & “neglect” are exclusions that could come into play with such an event. It is more likely that these last exclusions would most likely be the reason for a loss to property.

There are companies (and individuals) willing to sell “zombie apocalypse” insurance at rock-bottom prices. And such policies need to be taken as such, a novelty.


Contact Us!

At Marsilje & Vander Plow Insurance Agency, we can work with you to make sure you’ve got the coverage you need, while at the same time using all possible credits and discounts to make that coverage affordable. Just give us a call at 616-396-1497 or send us a note at marsiljeins@gmail.com. We want to help you meet your goals, and make sure what’s important to you is protected!


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