Insurance Coverage for Ghost, Vampire, and Werewolf Attacks

(They’re ready to believe you)
Christine Lacagnina Written by Christine Lacagnina
Christine Lacagnina
Written by Christine Lacagnina

Christine Lacagnina has written thousands of insurance-based articles for by authoring consumable, understandable content.

Ghost Insurance

When shopping for insurance, most people probably don’t think about paranormal or even supernatural threats. So what happens if they’re paid an unwelcome visit by a poltergeist, werewolf, or vampire? Without the proper coverage, they’d be left to handle the fallout of that haunting all on their own—and who’d want that? Luckily for those taking potential otherworldly threats more seriously, there’s Spooksafe insurance.

What Is Spooksafe Insurance?

Essentially an interesting take on a hybrid of life insurance and disability insurance, Spooksafe insurance is a type of policy designed to protect victims of attacks by the paranormal, including ghosts and poltergeists, as well as by popular folklore beasts like werewolves and vampires. Just like any other type of injury or disability, those inflicted by the paranormal or other monstrous threats could be just as painful and costly—if not more so.

Spooksafe insurance is designed for individuals who take paranormal and folklore dangers seriously, but also for those who don’t. Policies are bought by individuals who have sufficient evidence to believe their home or business is suffering from a haunting, and also by those who want a gag gift for themselves or a friend or family member. Regardless of the reason it’s purchased, Spooksafe insurance WILL pay out for a successful claim.

What Does Spooksafe Insurance Cover?

Basically, any mortal who’s attacked, tormented, or haunted by the paranormal or supernatural can be covered. Spooksafe insurance is designed to help cover the costs that arise following a haunting by ghosts or poltergeists, or an attack by vampires or werewolves.

Spooksafe insurance provides coverage for the following:

  • Death caused by the paranormal (ghosts or poltergeists)
  • Injury caused by the paranormal
  • Damage to “personal effects” caused by the paranormal
  • Attacks by vampires or werewolfs

Should an attack by a vampire or werewolf cause you to transform into one of their kind, you’ll be covered. Imagining the aftereffects of such an attack or haunting isn’t difficult. Torment caused by spirits or folklore beasts could result in not only bodily injury or death, but also plenty of psychological trauma. Policyholders can apply their benefit payout to medical and therapy costs, as well as repairs necessary for any property damage following an incident.

Depending on the policy, premium costs and benefit payout amounts vary. Certain policies promise to pay out up to $1 million in the event of death or permanent disability caused by a ghost on business grounds. One such policy reportedly paid out a $100,000 claim for a woman in the US who was thrown over the banisters in her home. After conducting an investigation, the insurance company declared that a ghost was responsible for her death, and paid up.

Are Multiple Types of Ghost Policies Available?

As it turns out, there are. Spooksafe insurance is just one specific policy available from a UK-based insurance firm called Ultraviolet. Their policy is more extensive than other offerings, in that it covers  not only ghosts, but also other types of problematic paranormal entities like poltergeists, as well as vampires, werewolves, and even aliens. Ultraviolet reportedly sold more than 500 policies in their first year of offering the coverage.

Other types of ghost insurance do exist, though, for those with more specific concerns. Lloyd’s of London, an insurance firm that offers abnormal coverage in more than 200 different countries, offers several different types of paranormal policies, including ghost and poltergeist insurance. The firm is said to have insured more than 40,000 folks for haunting by ghosts, and more than 60,000 for attacks by vampires or werewolves. Lloyd’s also offers coverage for alien abductions.

Why Would I Want Spooksafe or Ghost Insurance?

Well, “needing” this type of coverage might not be the right word, so instead we’ll check out a handful of reasons for potentially wanting it. The first ever Spooksafe policyholder, a hotel owner in England, reportedly applied for a policy after witnessing a ghost at his hotel bar and becoming convinced that his business had a haunting. Others may not have firsthand accounts—yet—but choose to purchase a policy as a precautionary measure.

You might want to get a Spooksafe or ghost insurance policy in the following cases:

  • You’re honestly concerned for your safety when it comes to all things paranormal or folklore monsters. Regardless of whether anyone you know shares your fears or concerns, at least you can purchase coverage for yourself privately, and without judgment.
  • You’re a huge fan of ghost stories, horror movies, folklore, or the supernatural. No matter whether you’re a fan of PoltergeistThe Shining, or even Ghostbusters, this type of coverage might be exceptionally appealing.
  • You want to give it to yourself, a family member, or friend as a joke. Think about it—nothing makes for a better April Fools’ Day gag than presenting a “non-believer” with an official insurance policy to protect them against undead or supernatural baddies.

Considering the intense popularity of ghost and horror movies, along with cult-classic TV shows like Buffy the Vampire Slayer, and the more recent craze surrounding the Twilight Saga films, clearly there’s a large target audience for this special coverage. Huge fans of paranormal, fantasy, horror, and science fiction may find Spooksafe, ghost insurance, or other related policies, to be the ultimate collector’s item—as well as a fail-safe back-up plan in case disaster strikes.

Are There Any Actual Documented Hauntings?

According to a 2013 poll by Huffington Post and YouGov, about 45% of Americans were found to believe in ghosts, with about 18% claiming to have witnessed a spirit in person. But as far as official science is concerned, the verdict is still that there are everyday explanations for paranormal encounters, ranging from things like mold and carbon monoxide poisoning to a human desire to believe in the supernatural.

That being said, there have been gazillions of reports of hauntings and paranormal sightings over the years, with even network giants like National Geographic reporting on these locations. A couple of famously haunted sights include the Eastern State Penitentiary in Philadelphia, PA, where Al Capone was once imprisoned, and the Stanley Hotel in Estes Park, CO, which inspired Stephen King’s infamous and mega-successful story The Shining.

How Do I Get Spooksafe Insurance or Ghost Insurance?

For more obscure and less common types of insurance coverage out there, you might not be able to find what you’re looking for just anywhere. While our independent insurance agents may not be able to provide you with this kind of coverage directly, we’ll happily provide a list of agents in your neighborhood who have access to multiple insurance companies. has access to the largest catalog of independent insurance agents in the country.

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