Movie Claim Monday: where our insurance minds speculate whether certain incidents in the cinematic universe would in fact be considered a covered claim.*
This week’s movie claim Monday is on Disney’s Beauty and the Beast** (the new one), simply because the writer of this blog has a two year old and that is the only movie we have been watching for the past month. Disregarding the fact that this is taking place in revolution-era France, there are a few parts in this movie that the insurance agent in me kept noting:
-During the Gaston song, Gaston uses his gun and shoots the ceiling. Would the business insurance cover that? Maybe—it could be considered vandalism. But if he owns the tavern, as it seems that he might, then no, because he (the owner) is knowingly damaging his own property.
-In terms of homeowner’s insurance, would the castles crumbling walls be covered? Nope. Though it is due to magic, I still think it is wear and tear and that is never covered by any homeowner’s insurance.
-Lastly, would the enchanted objects need life insurance or would they just be considered personal property? Not like they’re constantly being destroyed or anything, but near the end Chip almost gets smashed to smithereens, and I just have to wonder if and how he would have been covered.
*Disclaimer: Each insurance policy is different, and while we speculate here for enjoyment purposes, you will need to discuss your insurance policy directly with your agent or CSR. Our speculations here are in no way an indication that a similar occurrence would in fact be covered.
**All characters described and mentioned are copyrighted by Disney