Worried About a Sharknado Attack? Your Homeowners Insurance Has You Covered


The movie, Sharknado, had people tuning into the Syfy network in droves last Thursday. There’s nothing like having a giant ocean tornado bring with it thousands of man-eating sharks that get dumped into your neighborhood, forcing you to flee for your life.

Among the many thoughtful takeaways from this film was one semi-serious lesson worth exploring: would a real-life shark attack be covered by homeowners insurance? Surprisingly, the answer is yes!

Sharknado Becomes Instant Cult Classic

Last week was a big one for sci-fi shark fans who also love Tara Reid and Ian Ziering. Sharknado premiered on the Syfy network to major fanfare.

Though reports show that its premiere resulted in only 1.37 million viewers — a bit lower than the average audience for original Syfy films, the movie trended on Twitter with celebrities like Olivia Wilde, Mia Farrow, and most notably, Cory Monteith (who sent out what would become his last Tweet before his death) joining in on the fun.

Everyone agrees that the movie was campy, but that’s exactly what made it great. Interestingly enough, it also made some viewers wonder how much protection they’d receive from their insurance companies if they were attacked by hungry, man-eating tornado sharks.

Homeowners Insurance Would Cover a Sharknado Attack

So what exactly is a sharknado? According to the movie, it is a tornado that forms over the ocean in the midst of a massive hurricane and picks up man-eating sharks that devour communities.

Despite the unlikelihood of this event ever occurring, according to the Insurance Information Institute (I.I.I.), if it did, your homeowners insurance company would have you covered.

Consumer Reports interviewed Mike Barry, vice president of media relations for I.I.I., who shared that because a tornado is a wind event, it would be covered under a standard policy.

But what about the falling shark? “It would be covered, yes, as a falling object,” Barry confirmed.

He went on to explain that individuals with comprehensive auto insurance policies would also be covered because typical coverage protects contact with animals. Additionally, a health insurance policy would also cover any shark bites from a sharknado attack.

While there’s nothing worse than having to live with the fear of becoming the victim of a terrible sharknado, it’s wonderful to know that if something so horrible were to occur, you are protected by your homeowners insurance coverage.

(Photo: Hermanus Backpackers)