Maybe you’ve heard about this haunted house—or even searched for it yourself: Hailed as the scariest haunted house of all-time, the building itself boasts 13 floors of freakish delight. It’s so scary, in fact, that people are given a full refund upon completion of the frightening tour.
The only catch? It’s so scary that no one has ever finished.
Does this sound familiar? It might, because according to Snopes.com, this is just another Halloween-related urban legend. Even though your “friend’s cousin’s girlfriend” went last year, this legend has spanned across the country since the mid-1980s.
But if there was such a house filled with 13 floors of menace, you better believe they would have a hard time obtaining haunted house insurance to cover liabilities. Because no matter how cheesy a haunt’s fear-factor may be, they all need insurance. What better than a separate haunted house policy?
“I would be surprised to find [a haunted house] without insurance,” says Bill Frazier, president of Virginia-based Frazier Insurance. “There are instances where a church could group it with their other insurance, but an independent haunted house or school would all have separate insurance.”
Depending on factors such as number of participants and days open for business, these seasonal rates can run anywhere from $350 into the thousands. According to Frazier, this could be a charge of 10- to 13-cents per head with a possible surcharge for length of time.
