Sometimes the best way to learn what makes a home an insurer’s dream is by examining what makes one a true nightmare.
Disaster-prone movie homes go beyond attractive nuisances such as pools and playground equipment. Instead, they nag insurers with things like free-falling bath tubs, murderous mothers, and even some pretty serious issues too.
Take a look (from across the street, to be safe) at 7 famous movie homes that would shake the foundation of their poor home insurer.
Better known as: The Money Pit house
Notable details: 8 beds, 9 baths, 5.5 acres, giant pile of rubble
What’s wrong with it: Where to begin? Wiring that spontaneously combusts, collapsible staircases, and raccoons nesting in the dumbwaiter are just a few red flags. And the nude fountain statue, although not an insurance issue per se, is just plain gauche.
What their insurer might say: Beware of old homes … and raccoons … and old homes chock-full of raccoons.
Better known as: The Home Alone house
Notable details: 4 beds, 4 baths, detached garage, satanic furnace
What’s wrong with it: When Kevin McCallister’s parents jet off to France and leave him behind without supervision, they open up an insurance can of worms. To wit, a couple of unsuspecting visitors suffer a rash of injuries at the hands of this menace — from broken glass in their feet to third-degree palm burns to BB gun shots to the face. The potential liability issues are staggering.
What their insurer might say: Liability coverage and guest medical payments can help with certain types of injuries and mishaps in the home. (Or just avoid the whole mess with a second alarm clock, dopes.)
Better known as: The Psycho house
Notable details: Victorian, private, Palladian windows, did we mention super private?
What’s wrong with it: Sure, this house may’ve been constructed on the backlot of a movie studio, but it’s still got to meet standards. The wood is rotting away, the structure isn’t up to code, and there’s a terrible smell we just can’t put our finger on. If the owner, Norm, weren’t so darn polite, we’d be tempted to discontinue his policy on the spot.
What their insurer might say: Building codes coverage could help with the cost to repair the home per today’s standards after a storm, fire, or other incident. Some family liability protection wouldn’t hurt either (word is Norm looks after his elderly mother. What a guy!).
Better known as: Cameron’s Ferris Bueller’s Day Off house
Notable details: Mid-century modern, 4 beds, 4 baths, pavilion garage, the crippling fear that life is moving by pretty fast
What’s wrong with it: Regarding his depressed pal Cameron’s pad, Ferris says: “The place is like a museum. It’s very beautiful and very cold, and you’re not allowed to touch anything.” No wonder the poor guy kicks a Ferrari through a glass window. Living among nothing but precious, untouchable items can raise your temper — and home insurance rates.
What their insurer might say: Scheduled personal property could help replace high-priced belongings in case of burglary, teen son coming of age, or other mishaps.
Better known as: The Rosemary’s Baby apartment
Notable details: Gothic, park-adjacent, mahogany floors, nosy neighbors
What’s wrong with it: It might be an architectural landmark, but this massive apartment is just too porous for our taste. Seems everyone from the elderly couple across the hall to Lucifer from downstairs can saunter in at will. Which begs the question: How flimsy are these locks?
What their insurer might say: Heavy-duty deadbolts and a security system could reduce the risk for break-ins. At best, you could trim your rates and qualify for a Home Safety Features discount. At worst, your baby has a little less horn growing out of his brow today.
Better known as: The Christmas Vacation house
Notable details: Plaid décor, more plaid décor, Cousin Eddie
What’s wrong with it: Except for being another studio backlot construction (with no house number), this ranch home seems fairly run-of-the-mill. That is, until it’s affixed with 25,000 twinkling bulbs and induces a neighborhood-wide power surge.
What their insurer might say: Complex wiring is a big concern for home insurers due to fire risk. Ample dwelling protection can be a smart fail-safe for many of life’s unpredictable incidents. Same goes for rubbing Uncle Lewis’ toupee.
Better known as: The Up house
Notable details: 2,800 square-feet, multicolored exterior, panoramic vistas
What’s wrong with it: Yes, this exists. And while some may be captivated by the whimsy of this animated abode come to life, we’re harder to please. After all, any home that miraculously takes flight mandates a little scrutiny.
What their insurer might say: So yeah, after further inspection, not only is this joint airborne-ready, but we also found a talking dog, an unexplained and aggressively cheerful boy scout, and seriously toxic levels of helium. Gonna slowly back away now … forget we were here.
Bundle your auto and home insurance to save
While the owners of these movie homes may have steep insurance rates, that doesn’t mean the same for you. Real-life homeowners who already have an Esurance auto policy can bundle it with their home insurance to possibly nab easy savings!
If you need another cinematic fix, check out the best insurance movie characters ever. And when it comes time to buy a home, find out what crazy home details your realtor doesn’t have to disclose.