Top 10 Movie Homeowners Insurance Claims

Posted May 19th, 2010
by HomeownersInsurance.org Staff (no comments)

On top of being a homeowners insurance geek, I also like to go to the movies. Now, I’m the kind of person that thinks about work all the time. That means when I’m sitting in a movie theater, I’m noticing homes. I’m counting bedrooms. I’m wondering how the single dad who works as a crossing guard can afford a four bedroom flat in Manhattan. I’m wondering if that creepy house whose walls seep blood had a home inspection before the unsuspecting family decided to move in. That sort of thing.

So, over the years, I’ve noticed several instances when homeowners are going to be looking at the possibility of a homeowners insurance claim. Here are some of my favorites:

  1. Independence Day. Let’s face it, a lot of homes are laid to waste. Usually, homeowners insurance doesn’t cover alien invasion, but you never know unless you read the policy.
  2. Alvin and the Chipmunks. You’ve seen the damage that Alvin and his reckless little brothers cause. I wonder if Dave’s homeowners policy covers animals, especially if he willingly brought the animals into the house. I’m thinking he might need a special rider to cover that.
  3. Gone with the Wind. Frankly, Scarlett, you’ll be hard pressed to get a homeowners insurance policy in the middle of a war. And if you do, it’s likely that combat damage will be excluded.
  4. Home Alone. While that Culkin kid may have kept the invaders at bay, the house never quite goes unscathed.
  5. National Lampoon’s Christmas Vacation. I wonder if the Griswolds wound up suing the city for the sewer fire?
  6. Mr. & Mrs. Smith. The home that launched the romance between Brad Pitt and Angelina Jolie wound up riddled with bullet holes. I’m thinking that was going to cost a fortune to fix up, and probably isn’t covered.
  7. The Notebook. OK. I actually haven’t seen this movie, so I don’t know if the house is injured in any way. But, hey. I should include at least one chick flick.
  8. Sleepless in Seattle. Maybe two chick flicks. The homeowners insurance on a house on the water like that has to be crazy expensive.
  9. Twilight. I’m guessing that the homeowners insurance won’t pay to get blood out of the Cullen’s carpet.
  10. Panic Room. I wonder if Jodie Foster gets a discount on her policy for having a safe room inside the house?

Photo via Alan Light

Categories: Fun

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