It’s Halloween, and that means creepy, crawly, ghoulish happenings are afoot. Anything can happen — including a zombie apocalypse.

At first, we considered insuring our brains against the rise of the undead. After all, what are we without those thought-producing, limb-controlling powerhouses?

But then we thought a little more (thanks, brain). Our brains wouldn’t be the only things at stake in a zombie attack. So why not protect against the zombie apocalypse itself?

Zombie apocalypse insurance*

Just what types of coverage does one need for zombie survival? As insurance experts, we’ve got some ideas … but as zombie apocalypse newbies, we can only hope they’re sufficient!

Bodily injury coverage

If you “accidentally” hit a zombie with your car when you’re hightailing it out of town, you may benefit from bodily injury coverage, which pays for medical care (do the undead even require medical care?) and lost wages for other drivers/listless nightwalkers if you’re found at fault in an accident.

Incidentally, we hear zombie lawyers are particularly vicious, so we suggest buying the highest limits you can afford.

Medical payments coverage

Your brain has just been eaten. You’re probably going to need surgery. Expensive surgery. Medical payments coverage kicks in after your health insurance limits are exceeded. Even with Obamacare, you could probably use the extra protection.

Uninsured motorist coverage

Fact: zombies are terrible drivers. Probably because their minds are so singular (“Must eat brains”). And according to the Centers for Disease and Zombie Control, 9 out of 10 don’t have insurance.

You’ve got enough on your plate just trying to escape those brain-hungry savages. The last thing you need is to pay for an accident that wasn’t your fault. Uninsured motorist coverage can be used when the at-fault driver doesn’t have liability coverage (which accounts for about 1 out of 7 human drivers in the U.S.).

Comprehensive coverage

Though comprehensive coverage is optional, we highly suggest it since it helps cover the following incidents:

  • Fire — if someone gets overzealous with the flamethrower
  • Natural disasters — there’s nothing natural about the walking dead
  • Falling objects — like discarded limbs
  • Vandalism — protect yourself against zombie hooligans
  • Theft — do stolen brains count?
  • Hitting a zombie (or a deer) — both can do a world of damage to a car

Emergency road service coverage

You do NOT want to get stuck on the side of the road during a zombie apocalypse. Just trust us on this one. Get the coverage.

Be prepared

If you’re going to survive the zombie apocalypse, you’re going to need a few supplies. And it turns out a zombie preparedness kit is very similar to an emergency car kit. So pack your emergency kit, gas up the car, and get ready to roll when the zombies, ghosts, and ghouls hit the streets tonight.

Happy Halloween!

*Okay, it’s true. There’s no such thing as zombie insurance, and your car insurance won’t cover such encounters with the undead. But if you’re curious about the different types of car insurance coverage, we’ve got the answers.

Safe and smart


about Jessica

During her time as senior copywriter at Esurance, Jessica wrote about everything from automotive trends to insurance tips to driving dogs (it’s a thing!). In her free time, you can find Jessica hiking with her dog (who cannot drive), devouring a good mystery, or very slowly learning Spanish.