With the recent release of the new Aladdin movie, we got to wondering – when the genie was living in his lamp, what kind of insurance would he need? Sure he’s a magical being with phenomenal powers, but that doesn’t mean he wouldn’t do the practical thing and get home insurance. We think that Genie would insure his lamp rather like a home because, well, it’s his home. Kind of.
What kind of insurance would Genie from Aladdin need?
Some of the coverages that a typical home insurance policy includes are:
- Dwelling
- Personal property
- Other structures
- Additional living expenses
- Liability
Dwelling: This part of the insurance policy can help protect the structure of the home – in this case, lamp – against losses like fire. So, if the lamp got swept away in a fire, Genie would be able to rebuild it. (We hope that there’s no exclusion for power-hungry villains with talking parrots exploding the lamp or something. Jafar is bad news.)
Personal property: This coverage protects the contents of a home. We haven’t seen the inside of the genie’s lamp, but we’re betting that he has a bunch of cool furniture, clothes, and electronics that he’d want to replace. (We also recommend that Genie take a home inventory.)
Other structures: This one might not apply to the genie since he only has the lamp, but for typical homes this can cover detached structures on the homeowner’s property – for example, a garden shed. (Who knows? Maybe the Genie’s into gardening.)
Additional living expenses: ALE coverage can help Genie cover extra living expenses if he has to move out of his lamp due to a covered loss. It can help cover living costs in excess of what he would be spending if he were still able to live in his lamp.
Liability: Liability coverage can help protect Genie if someone sues him for bodily injury or property damage. Let’s say that Genie invites Aladdin and some friends over for a barbeque, but one of them trips and falls…and then decides to sue. (Jerk.) Liability can help Genie cover his legal expenses – and the injured person’s medical bills.
Now…will Genie be able to find an insurance carrier willing to write a magical lamp as a home? Not sure. But we wish him luck.
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Disclaimer: We are not affiliated or associated in any way with the companies listed. Each name and character is a trademark of that respective company. This article is for informational purposes only and does not supersede any language in the actual policy itself. Please refer to your policy for deductibles, exclusions, and other provisions.