A home, a car, a business: rarely do people own these withouthaving insurance to protect them from the worst that can happen.But are you covered for what else can happen?

What if you're sucked up from the chest by a beam of light inthe middle of the night? Or what if you're attacked by a ghost? Orwhat if you're entrusted to carry and raise the next Son ofGod?

Hey, it could happen, and insurance companies are thereto make sure you're covered.

Click “next” to read about eight unusual-but-real insurancepolicies.

Haunted House

Haunted house attractions started popping up in the U.S. in the1980s, as parents concerned over the safety of their children whentrick-or-treating drove them to seek out alternative ways ofcelebrating Halloween. As with any themed event or attraction, it'simportant for those who run a haunted house to have generalliability coverage for third part visitors. Reported claims forhaunted houses include wrongful death when a teen with asthma suffered a horrible reactionto fog machines in a St. Louis haunted house.

Alien Abduction

Do you believe in aliens? For those who do, there are insurancecompanies out there that offer coverage in the event that “thetruth is out there.” A few companies offer alien abductioninsurance, with typical policies costing around $150 per $1.5million in coverage. Many companies, like Farmers, also offer coverage in the event of a UFO crash.

Immaculate Conception

British Insurance, known for handing out some wacky policies,was the scorn of the Catholic Church in 2006 when it was revealedthat the company insured three sisters from Scotland against thepossibility of a virgin birth in the event of the second coming ofJesus Christ. Though the company told BBC News that it had beendonating the £100-per-year premiums to charity, iteventually withdrew the policy.

Werewolf/Vampire/Zombie Attack

While many people believe a zombie apocalypse is imminent, some people are still concernedover being attacked by classic creepy creatures like werewolves andvampires. Lloyd's of London has reportedly sold policies to protectcustomers in the event of these types of attacks.

Paranormal Investigation

Ghost hunting has gained popularity in the past decade thanks toTV shows such as “Ghost Hunters” and “Ghost Adventures.” Legitimateparanormal societies routinely perform paranormal investigations,and like any business, they need publicliability and professional indemnity coverage.

Body Parts

Celebrities are notorious for doing things that are down-rightweird. So, it's no surprise that some of the biggest celebritieshave allegedly taken out insurance policies on their own notablebody parts, including Bette Davis' waist, Bruce Springsteen'svoice, and Julia Roberts' smile. Australian cricket player MervHughes (above) even went as far as to insure his mustache for$370,000.

(AP Photo/Tom Hevezi)

Change of Heart

Wedding insurance covers a wide range of things that could gowrong on or leading up to a wedding day, including venue closings and injuries. Many of these policies alsoprovide coverage in the event that the would-be bride or groom hasa change of heart and no longer wants to get married.

Contest

What are the odds that a person can get a hole-in-one? Though rare, it is possible, and hasbecome a popular contest promotion for many golf courses. Withcontests like these, promoters need to be prepared to give outprizes, even if it does seem unlikely that they will ever need to.Because life is unpredictable, contest insurance provides coveragefor companies to pay any potential contest winners.