This Homeowners Policy Covers Lost Weed — Yes, Really
In a plot twist nobody saw coming, one Michigan resident just discovered that their new homeowners insurance policy actually covers up to $1,000 worth of legally-owned marijuana — if it’s lost or destroyed in a fire or natural disaster.
Let that sink in.
That’s right — if your stash goes up in smoke (literally), your insurance might just have your back. A user on Reddit’s r/trees community shared the unusual perk buried in the fine print of their new policy, and stoners across the internet are mildly interested… and wildly amused.
My new homeowners policy covers up to $1k for marijuana that is stolen or lost in a fire/weather related incident
byu/timmy6169 intrees
“$1,000 — Marijuana that is lawfully possessed under Michigan Law, including, but not limited to, equipment, accessories, or paraphernalia whether or not it is located at the residence premises.”
Translation? Your herb, your gear, your grinder — it’s all covered. As long as it’s legal, your insurance adjuster might be your new plug for peace of mind.
Naturally, Redditors had jokes:
💬 “Pretty sure all of my marijuana is lost in a fire 🔥🤣”
💬 “Time to itemize the bong collection.”
💬 “Next up: ‘Sir, we’ll need proof that your weed existed…’”
In a world where insurance rarely covers anything fun, this unexpected green clause has become a blazing hot topic. So, if you’re living in a legal state and still hiding your stash in a shoebox, it might be time to ask your insurance agent a very… highly specific question.
Would your homeowners policy cover a stash catastrophe? 🧐
