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Happy Halloween!
We don’t have policies explicitly aimed at haunted homes. However, we can find most poltergeist-free properties the right protection.
Home Insurance
Haunted House Insurance
Protect your paranormal property.
As Halloween creeps up, homes nationwide may see more paranormal activity causing damage. Be prepared and prevent any financial jump scares by insuring your property now.
No tricks, just treats that
Protect your home
Whether you've lived for years with a poltergeist or you're lumbered with a house on cursed grounds, you’ll need the right cover. With us, you can:
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Claim for contents damaged by human and poltergeist activity.
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Get policies covering vandalism by third parties both living and dead.
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Legal expenses for boundary disputes on cursed burial grounds.
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Talk to UK-based experts via phone and Ouija board.
Witch cover do you need?
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Buildings Cover
This cover protects your home's structure and any permanent fixtures - even from damages caused by poltergeist activity and exorcism-related incidents.
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Contents & Possessions
Protection for your personal belongings and possessions from damage or theft. However, it does not cover demonic possessions or haunted dolls.
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Liability
If your ghost somehow causes injury or damage to others (such as guests in your home), liability coverage might protect you if they decide to take legal action.
Is it a legal requirement to insure my haunted house?
Home insurance is not a legal requirement – even if your property has a poltergeist problem.
However, your house (whether haunted or not) still needs cover. Most mortgage lenders will prefer that you at least have building insurance to protect the property as part of the mortgage agreement.
Property insurance will give you (and your mortgage lender) peace of mind that your haunted house is protected. With the potential for real-world risks like fires, floods, or even supernatural ones like levitating furniture, a good policy ensures you’re not left facing costly repairs or replacements.
So, even with your paranormal pals hanging about, home insurance is generally a good step towards protecting your home from things that go bump in the night.
Should I tell my insurer my house is haunted?
Most standard home insurance policies focus on risks such as fire, theft, flooding, and accidental damage rather than ghostly phenomena.
While it might sound tempting to disclose your haunted house situation to your insurer, it isn’t always necessary.
Insurers won’t be too concerned about your ghoulish house guests unless the paranormal activity causes physical damage to your property, like a poltergeist smashing windows.
Is my house too haunted for a policy?
Some insurers may hesitate to take you on if your property is classified as a high risk. Especially if it is plagued by structural issues or spirits with unfinished business,
However, there are plenty of specialist home insurance policies out there.
From haunted high-networth property insurance to home insurance for properties with subsidence, we can find you the perfect policy to suit your circumstances.
Creeptastic Cover Options
What we cover:
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Damage from fire, smoke, explosion, lightning, flooding, or earthquake.
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Building cover if there is subsidence and landslip danger.
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Structural damage in an emergency if caused by the authorities and anyone associated with the eighties Ghostbusters franchise.
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Buildings and contents damage from falling trees, branches and walloping willow trees.
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Alternative accommodation if an emergency or a poltergeist makes your home uninhabitable.
What's not included:
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Damages, wear and tear from lack of maintenance, gradual degradation, dampness, rot and vermin.
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Home emergency cover does not include exorcisms, spiritual cleansings, or callouts for paranormal experts.
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Any damage from fire, smoke, explosion, lightning or flooding caused as a result of the intentional summoning of a demonic or ghostly entity.
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Existing damage from previous homeowners (living or dead) before the cover started.
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Loss or damage from heat distortion that is not caused by an accidental fire, such as tobacco burns and Satan’s fiery wrath.
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Damage from poltergeists when your home is unoccupied by a living human for a lengthy time - depending on your policy.
Freakily Asked Questions
I’m buying my first home, can I ask if the property is haunted?
Yes, you can ask your estate agent if the house is haunted or has a unique history. There’s no legal obligation for sellers or estate agents to disclose paranormal activity. Some sellers may be honest about any unusual history – such as if someone has died in the home or if it was the scene of a crime.
However, estate agents must declare any structural issues that can affect your insurance. These can include issues such as subsidence or mould. If you’re particularly concerned about your new home having an unusual history, which can lead to a haunting, you could look into the property’s history or ask locals about the property.
Will the number of ghosts haunting my home affect my home insurance premium?
A house insurance premium won’t be influenced by the amount of ghosts haunting your house.
However, your property’s location, value and contents will all affect your premium price, along with the level of coverage you choose.
For example, potential risks, such as being in a flood-prone area or on cursed land, can make you more likely to claim on your insurance and increase your premium in the future.
I accidentally summoned a demon. Is my house still covered?
If you invite an uncontrollable, malevolent force into your home, then you may invalidate your policy. If any damage to your property is due to your own negligence or intentional actions, your claim could be denied.
Summoning a demon is no small matter. Most standard home insurance policies won’t specifically cover damages caused by supernatural entities if you’ve actively summoned them. However, if your home is damaged by a demon you have not summoned (e.g., broken windows or satanic symbols on walls), it might be covered as accidental or malicious damage.
Report it like any other unexplained event, such as fire or vandalism, and be upfront about the cause. In rare cases, insurers might accept a claim if you were unaware of a ghost or demon already inhabiting the property—especially if the haunted history wasn’t disclosed when you bought the house.
I think my home and my car are both haunted. Can my home policy cover my vehicle?
No, home insurance does not cover your car – whether it’s haunted or not.
Damage or theft to your car – whether caused by a human or a ghost – can be covered by car insurance only, depending on the level of coverage you opt for.
However, some home insurance policies might cover personal belongings stolen, such as your car keys, if they’re taken from your home.
The same goes for vintage and antique car owners who likely have a ghost or two in the trunk. Home insurance won’t even cover older cars that are rarely used, so they’d need a policy specifically for classic car models.
