#InsuranceHorrorStories Day 6: The Horrors of Child’s Play …

via Home Insurance Blog:

Everyone who’s ever been a child knows the feeling. It’s raining outside in the middle of the night, and you’re tucked in safely under the blankets. But wasn’t that creepy clown doll just a little bit further away when you went to sleep? Why would your parents even bring such a terrifying plaything in your house in the first place!



Horror movies aren’t doing much to help calm our imaginations, either – Just look at Child’s Play (and all of the Chucky sequels), Poltergeist, Dolly Dearest and our own six-second horror creation above to remember the terror of trying to fall asleep across from the murderous plush toys on your shelf, just waiting to spring to life.

While most of us eventually grow out of this horrifying habit of make-believe, this popular trope does have potential to quickly turn into a real-life insurance horror story…

The price on his head

In Child’s Play, the iconic “Good Guy” doll Andy wants for his birthday costs so much that his mother has to secretly buy one on the black market. In addition to having the misfortune of choosing a doll inhabited by the soul of a serial killer, Karen’s investment ends up getting shot by Detective Norris, thrown into a fireplace and being decapitated over the course of the movie.

Considering the actual value of the doll used in the movie is estimated at more than $1,500 today, we’re certain the contents coverage – designed to protect personal property – of her home insurance wouldn’t have covered it. To extend her home insurance coverage and at least save herself from an insurance horror story after all the destruction Chucky caused, she would have had to schedule an endorsement on her policy.

What were they thinking?

As a matter of fact, destroying high-value items could be its own horror trope. There are plenty of examples of expensive things being ruined in horror movies, but our favorite has to be the infamous prom bloodbath in Carrie. These days, families spend an average of $1,078 on prom. Although Carrie’s mom would likely be the last to invest that kind of cash for a school dance, we can’t help but wonder if a little insurance could have reduced at least some of the terror of their horror story.

It certainly would have come in handy at the end of the movie.

Happy Halloween from HomeInsurance.com!

For more info: #InsuranceHorrorStories Day 6: The Horrors of Child’s Play …

Home Insurance Blog

#InsuranceHorrorStories Day 6: The Horrors of Child’s Play …

The post #InsuranceHorrorStories Day 6: The Horrors of Child’s Play … appeared first on FX FOREX.





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HomeInsurance.com Gets Haunted This Halloween: #InsuranceHorrorStories

We’ve all been there – desperately shouting “Do NOT go in there!” in the theater at the hapless horror victims who always decide it’s a good idea to investigate imminent danger alone and wishing they would know by now that there’s always something behind you!

Some horror clichés are especially difficult to watch for us as insurance experts: Did the five teenagers stranded in rural Texas in 1974 not know about roadside assistance? Why didn’t everyone in Woodsboro install security systems after the first movie string of murders?! What type of coverage is even available for a haunted house that caves in and gets sucked into another dimension?



And that’s just the tip of the iceberg. Here’s a quick list of some of the most famous scenes in horror movies that really make us cringe:

• “Here’s Johnny!” – The iconic axe scene in The Shining. Standard coverage probably isn’t going to cover this kind of intentional damage wreaked by a madman.


• “They’re all going to laugh at you!” – Carrie’s bloody prom and the fiery aftermath. Hopefully Margaret scheduled an endorsement on that red dress and had some excellent insurance coverage on the house.


• “Don’t they ever stop migrating?” – The mayhem at the gas station caused by the invasion of The Birds. We wonder if this sort of damage would fall under comprehensive coverage as an “act of God?”


• “We’re going to need a bigger boat.” –Quint doesn’t exactly seem like the type to have taken out a great boat insurance policy before heading out on his epic shark hunt in Jaws.

OK, if you’re trapped inside a horror movie, we get that you probably have more pressing matters on your mind – like surviving. But some of the decisions characters like these constantly make on the big screen are too dangerously cliché to let go. So if you’ve also ever wondered why it always sounds like a good plan to split up and check out the creepy sounds coming from outside, or why victims in horror movies always have to check the killer’s body one last time, we’ve got the perfect Halloween Treat for you.

We’re kicking off Halloween early this week with some fun tricks, treats and bone-chilling scares, recreating some of our favorite horror movie scenes. Starting Thursday, we’re counting down the most terrifying horror tropes that keep us up at night and analyzing the real-life danger and damage behind them. Check back here this week and next for the videos, and follow us on Twitter to get the latest updates on the countdown.

Take notes – you might just learn how to survive a horror movie.

For more info: HomeInsurance.com Gets Haunted This Halloween: #InsuranceHorrorStories

HomeInsurance.com Gets Haunted This Halloween: #InsuranceHorrorStories

The post HomeInsurance.com Gets Haunted This Halloween: #InsuranceHorrorStories appeared first on FX FOREX.





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