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When you  think of insurance, the typical ones come up.  Auto insurance, health insurance, homeowners insurance and business insurance.  Some people may have even heard of umbrella insurance, flood insurance, farm insurance and so on. But we want to share with you about some of the more uncommon types of insurance that are out there. Cold Feet Insurance.  That's right.  If your spouse-to-be happens to get cold feet right before the big day, reimbursement could be in order.  However, there are some conditions:  The change of heart has to happen a full year before the wedding and the reimbursement will be sent to a third party (such as parents). Fantasy Football Insurance.  Football lovers all over are excited about this one!  FantasyPlayerProtect.com allows fantasy players to insure their teammates. Multiple Birth Insurance.  Oh boy, a bundle of joy is coming your way!  And then you find out you're having 3 bundles of joy!  The insurance will pay out a lump sum to parents who were expecting 1 bundle of joy.  The condition is that you did not use a fertility treatment. Divorce Insurance.  Splitting up assets and debts and adding legal expenses to the mix, divorce can get costly.  Divorce insurance will help with a payout in case of divorce. Chicken Insurance.  Yes, you heard me correct.  Pet insurance has been popular for all of the dog and cat lovers for years, but now some insurance companies have included the not-so-common pets such as chickens and mice. Kidnapping Insurance.  For companies who have overseas employees to people who travel to third world countries, kidnapping insurance is there to help cover the costs associated with kidnapping, including negotiators fees, travel expenses and the ransom itself. Drunk Guest Insurance.  For everyone who loves to entertain at your home, this one's for you!  The formal name is social host liquor liability coverage and this will provide coverage for an intoxicated guest who destroys property or harms another person.  Most homeowners insurance policies have something like this in the policy. Infertility Insurance.  You really want to have a baby and in-vitro is a viable option.  The costs of fertility treatments can be excessive.  Infertility Insurance will help you out with your dream, but only if you live in one of the fifteen states that offer this special insurance. Golf Insurance.  This kind of insurance is popular throughout Asia and Europe. Bedbug Insurance.  Typical homeowners and renters insurance won't cover the costs associated with a bedbug infestation, which can add up to the $1,000s.  Most bedbug infestations occur during travel, so when you sign up for travel insurance, make sure you have a bedbug rider. Scurich Insurance Services can help you out with many types of insurance policies.  Give us a call today! Content provided by Transformer Marketing and http://money.msn.com/insurance/10-crazy-insurance-policies-you-didnt-know-existed

The trees in your yard can enhance your property, provide shade and offer abundant environmental benefits. However, trees can also pose a safety hazard to your family and your home if they are not properly inspected and maintained. Trees can present a particularly significant danger during a storm. Wind, lightning, snow and ice can all transform a tranquil row of trees into an imminent threat to your property. Proper tree maintenance involves more than pruning and trimming overgrown branches. These are some of the key steps you can take to protect your trees and prevent them from becoming a safety hazard. The trees in your yard can enhance your property, provide shade and offer abundant environmental benefits. However, trees can also pose a safety hazard to your family and your home if they are not properly inspected and maintained. Trees can present a particularly significant danger during a storm. Wind, lightning, snow and ice can all transform a tranquil row of trees into an imminent threat to your property. Proper tree maintenance involves more than pruning and trimming overgrown branches. These are some of the key steps you can take to protect your trees and prevent them from becoming a safety hazard. Steps to Take Before a Storm Remove any dead trees on your property. Enhance the health of trees through timely watering, proper fertilization and protection from soil compaction. Healthy trees will be able to better adapt to changes in the environment, remain firm in the wind and react more effectively to damage. Regularly prune dead or broken limbs to help trees maintain their structural integrity. In addition, thin excess branches every three to five years. For more information, visit arborday.org. Remove or treat pest problems as soon as you spot them to minimize potential damage to trees. Be careful not to over-treat tree hollows, and do not remove decayed wood from hollows unless it falls away in your hands. Cleaning hollows can cause additional internal damage to trees. If possible, cover the opening to hollows. Six Signs to Monitor When performing maintenance on the trees in your yard, please make safety a priority. If you are unable to safely prune or remove trees and limbs, contact a professional tree-care service or arborist to help you do so. It may be a good idea to consult with a professional if the trees in your yard already display any of the following characteristics: Cracks in the trunk or major limbs Signs of hollowing and decay Mushrooms growing from the bark Significant leaning to one side Limbs in contact with power lines Branches hanging over your house Although the branches may not be touching your house under normal conditions, high winds can cause trees and branches to bend or break. Sources: Travelers, Clatterbuck, Wayne. "Storm-Damaged Residential Trees: Assessment, Care and Prevention." Extension.Tennessee.edu. The University of Tennessee; Coder, Kim. "Storm Damaged Trees: Prevention & Treatments." Warnell.Forestry.UGA.edu. The University of Georgia.