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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Joshua is a copywriter at Obrella who for more than 10 years has been creating content about insurance, health care, and more. He helps companies explain complex insurance subjects in simple ways so that customers can make smart buying decisions. He spends way too much time binge-watching Netflix, loves the outdoors and has a cat who tolerates him.

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Reviewed by Joshua Adamson
Joshua Adamson

UPDATED: Aug 10, 2021

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Is Your Castle Protected from Undead Devastation?

View to Le Mont Saint Michel in Normandy France under the storm.

Editor’s Note: This article contains spoilers for the Game of Thrones TV series and A Song of Ice and Fire book series. Of course, if you understand the references in this totally factual guide, you’re probably all caught up on every gory detail just like we are. Enjoy.

As every good Westerosi knows, when you play the Game of Thrones, you win or you die. Whether you’re a sell sword, a faceless man, or the Mother of Dragons, the risks of living in this beautifully cruel universe are high. When you stack on the fact that winter is seriously coming (shout out to the Night’s King!), there has never been a better time to think about insurance. Thankfully, you have resources like Obrella (a subsidiary of Braavos’ Iron Bank), to properly assess your insurance needs. You’re surely familiar with the phrase, “Valar Morghulis,” translated from old Valyrian, meaning “All men must die.” Though the essence of the phrase still rings true today, we also believe in “Valar Insurance,” roughly translated as “All men must insurance.” So before your night’s watch is ended, here are five things you should get insured if you want to play the Game of Thrones.

Could insurance have protected Winterfell?

Tyrion Lannister, thinking back on his visit to Winterfell, remembered, “Great strength in those stones, a sense that within those walls a man might feel safe.” Unfortunately, the strength of Winterfell’s stones didn’t hold up for Ned Stark and his house. Surely Ned Stark, Theon Greyjoy, Roose Bolton, and (hopefully soon) Ramsay Bolton would agree that staying Lord of Winterfell is not as easy as it might seem. There was a lot of danger per square foot in Winterfell! Let’s channel our inner Three-eyed Raven and rewind Westeros time back a few years. Imagine if Ned (with his still-attached head) had invested in home insurance before losing castle Winterfell (and his head). The neighborhood is nice, albeit a little chilly, and the castle real estate is very well kept, so you can expect high reconstruction costs. The reconstruction costs alone might have given Robb Stark the financial edge to purchase himself a few new alliances, and the Red Wedding would have been remembered as a pleasant evening. Just saying.

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What can be done to protect structures like The Wall?

The Wall is a massive fortification on your real estate stretching 300 miles long and 700 feet tall and is essentially the only thing standing between the White Walkers and our beloved Westerosi citizens. I don’t know if you have seen any White Walkers lately, but let’s just say it’s not looking great for the Wall and the Sworn Brothers of the Night’s Watch. Because the Wall is the largest structure in the Game of Thrones world, the only thing we can compare it to is the largest structure on earth. The Kingdom Tower currently under construction in Saudi Arabia, will be a mile high and have an insured value of $1.5 billion. Sure, nobody but the White Walkers wants to see the Wall come crashing down, but just think about all the fashionable black leather that could be purchased with that commercial insurance money.

Can you insure your Dragons and Direwolves?

Granted, an insurance policy that pays in Gold Dragon and Silver Stag coins hardly makes up the loss of a live dragon, but at least you’ll get enough money to build 1,000 ships in case you were in need of moving a massive army across the Narrow Sea. The closest thing to a dragon on earth is probably a private jet, which has an insured value of around $10 million. Most property insurance companies  would probably give amazing deals for those who fall under the Mother of Dragons demographic.

Out of a sample size of five direwolves (named Ghost, Nymeria, Summer, Shaggydog, and Grey Wind), exactly 60 percent of them have tragically died. You may think that those disenchanting odds implies a steep pet/property insurance rate, but there are many pet insurance providers that cover veterinarian/maester costs.

What will you do to protect your Valyrian steel?

Unless you know of a reliable dragonglass dealer, it’s likely that Valyrian steel will become a hot commodity in the wars to come thanks to its special White Walker-slaying properties. Considering nobody knows how to create new Valyrian steel (that knowledge went down with the Valyria ship), it’s safe to assume that you should look into property insurance for your ore-laden real estate if you own any of the precious steel as soon as possible. Valyrian steel has a funny way of slipping out of the custody of its owners, so you should act fast if you happen to have Ice, Longclaw, or Oathkeeper in your real estate property.

On earth, a 19th century Masonic sword may be insured up to $30,000, so you can imagine how valuable a generations-old Valyrian steel weapon would be. Whether you’re the Lord Commander of the Night’s Watch, King of the Andals and the First Men, or Samwell Tarly, chances are you will want some good property insurance. Your Valyrian investments could even help save your own life.

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Have you thought about your own life?

Speaking of life, it’s an uncomfortable fact that people lose theirs when they play the Game of Thrones. Like, a lot. So before you go about conquering the North, attempting to stand up to House Targaryen, or try to prove some Lannister misdeeds, we strongly recommended that you think of your loved ones and invest in some life insurance. Borrowing the Iron Island phrase, “What is dead may never die,” we prefer the brand new adage, “What is dead may never die but could leave lots of money to your family.” And noble houses do tend to care about that sort of thing.

A quick note: Your insurance rates may increase if you hang around devotees of the Lord of Light, thanks to the fact that you can’t really be sure if certain corpses they encounter are actually dead. Westerosi life insurance carriers are still talking about the great Jon Snow debacle of 2016.

There are no guarantees of life, limb, or property when playing the Game of Thrones, you can count on Obrella to connect you with the right insurance resources. And don’t forget, Valar insurance.

Wouldn’t you like a free insurance comparison?

Before making any final decisions on your insurance company, it is important to learn as much as you can about your local insurance providers, and the coverage they offer. Call your local insurance agent to clear up any questions that you might have. And if other humans frighten you as much as an imposing member of the House Targaryen might frighten you, many insurance companies offer AI-powered services so that you can ask your questions without fear. Questions to consider asking include, “What is the best coverage plan for me/my family/my situation?” “What are the minimum coverage requirements in my state and what form of coverage do you recommend?” “Would you offer any bundle discounts if I take out both my auto insurance and home insurance with you?” You could even go so far as to ask, “What is the average rate of insurance quotes you guys offer?” There is no shame in acquiring as much information as possible. Valyrian investments are not to be taken lightly after all.

Before making any big insurance decisions, use our free tool to compare insurance quotes near you. It’s simple, just plug in your zip code and we’ll do the rest!


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