Insuring the Game of Thrones’ Winterfell Castle

Game of Thrones fans, have you ever wondered how much an insurance policy for the Winterfell Castle would cost? Irish insurance broker GMHD.ie came up with a mock policy a couple of years ago detailing how much The King of The North would have to shell out for home insurance – structure & buildings as well as contents – to protect one of the largest castles in Westeros.

First, came the estimate for the cost of rebuilding the three-acre fortress and its surrounding structures. With the help of engineers, the broker was able to reach the approximate amount of about $1.3 billion in Canadian funds. Contents, meanwhile, were estimated to be worth about $75.4 million.

Considerations for the insurance premium included the increased risk of frozen pipes due to winter as well as the castle’s geographical location and proximity to attacks. Also taken into account was the age of the property, which is at least 8,000 years old. Discounts, however, were provided given the premises’ level of security – thanks to the castle’s 24-hour manned gates and moat, in-house dragons, and archers on its walls. The resulting annual premium would be roughly $9 million.

Meanwhile the make-believe policy stipulates that all cover will cease with immediate effect if Winterfell Castle is captured by any army from the south. It also has a ‘White Walkers’ exclusion. The quotation (issued BEFORE the series finale) excluded all losses as a result of conflict with White Walkers since the invasion had been determined as both inevitable and uninsurable.

Source: insurancebusinessmag.com

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