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The cost to insure fictional homes

Have you ever looked at a home on TV and thought, “I wish I lived there”? Often, the properties we see on screen - whether on television, film or games - are designed to be fantastic. They offer stunning architecture, incredible views, a sprinkling of magic and the occasional secret passageway. This makes them places most of us can only dream about living in.

A Hobbit house from the fictional Lord of the Rings franchise

What we don’t dream about is how much it might cost to live in them.

While the cost to buy a property is our first thought, home insurance is a cost that can often be overlooked. But it’s important to protect your property, and potentially save you a fortune if something goes wrong. From fantasy fictional lands to West Village apartments in New York, insurance prices vary considerably. We worked with property valuers at HouseBuyFast to estimate how much it would cost to buy and insure these fictional homes.

So how much would home insurance cost in these fantasy worlds, and which fictional home would need it the most?


How much it would cost to live in famous fictional homes

These homes might be unreal, but do they come with unaffordable home insurance bills? We’ve done the research to answer the questions you’ve all been asking.  

Fictional Home Cost of Property Annual Home Insurance Cost
The Bates House in Psycho
Michael’s House in GTA
Bag End in Lord of the Rings
Monica’s Apartment in Friends
Carrie’s Apartment in Sex and the City
The Burrow in Harry Potter
Simpson Home in The Simpsons
Link’s House in Breath of the Wild
The Goth House in The Sims 2
Balloon House in UP

At £504 a year, the Bates House would be the most expensive to insure

An asset showing the Bates House location, number of rooms, cost of property and home insurance cost

If you like your homes dreary, grey and potentially murderous, the Bates House in Oregon could be just the thing. It has four bedrooms, a large living room, kitchen, creepy attic, and handy walk-in freezer in the basement, just in case you need to keep anything… safe.

The annual insurance cost of £504 is quite affordable for a property of this size. But you might want to undertake extensive renovations and a deep clean before you move in. Additionally, the crime taking place in the area (and by area, we mean the Psycho house itself) could be why this cost is high. And continuing rising crime rates may well push this price up even more as time goes on.


Michael’s house in Grand Theft Auto would cost £476 to insure

Former bank robber Michael De Santa is rolling in cash, owning a three bedroom, one bathroom mansion in the rolling Rockford Hills. Complete with a tennis court and pool, as well as a kitchen, dining room, living room and garage, the house is a perfect place to seek refuge. Michael’s ‘off-the-books’ deal to get the house means he probably didn’t have to fork out full price for the mansion - but insurance would cost £476 a year. Since the Grand Theft Auto world isn’t exactly risk free, this cost is bound to be higher than normal. The sheer amount of vandalism, attacks and theft would put many insurers off.


You’d need to pay £405 a year to insure Bag End

An asset showing the Bag End location, number of rooms, cost of property and home insurance cost

The home of Frodo and Bilbo Baggins is quite large for two hobbits. It consists of three bedrooms, one bathroom, a potato garden, kitchen, drawing room, sitting room, parlour, study, dining room, cellar, and pantry. There’s no wonder everyone wants to attend the parties there. The insurance of the home would cost £405 a year, but between the two residents, this isn’t a bank-breaker. It’s not a huge property, so why is this cost so high? Well, the fact that the house is built into a hill could contribute. The chance of it succumbing to an earthquake or other natural phenomenon is higher than usual, making it more of a risk for insurers.


Carrie Bradshaw’s apartment comes with extra sass for £206 a year

The home with the most famous closet on this list, Carrie Bradshaw’s apartment in New York City is a 325 sq. ft. haven for the author. With one bedroom, a bathroom, and a kitchen, it’s small yet charming, costing around £206 a year to insure. If bought outright, the apartment would cost Carrie an eye-watering £650,000. Being a prime New York apartment, the insurance cost isn’t extortionate - and Carrie must have a great credit score to be able to afford all her goods. As a result, she’s paying a fairly reasonable price.

She might want to consider taking out contents insurance, too. Those designer items are worth a pretty penny.


Oh… my… god… Monica Geller's apartment would be just £314 to insure

An asset showing Monica’s appartment location, number of rooms, cost of property and home insurance cost

This two-bedroom, one-bathroom apartment in New York’s pricey West Village neighbourhood would be the dream home for a lot of people. It offers a great amount of space, incredible amenities, and great local coffee, while also being a place your friends will love visiting. It would cost around £314 a year to insure, which is great value given how much you’d save on the rent-controlled property. Even better, your best friends would only live across the hall.


The Burrow would cost a magical £204 to insure

The rickety, fantastical home of the Weasley family, from Harry Potter, costs £500,000 to buy. It’s not much, considering the house contains six bedrooms, a kitchen, laundry room, living room, a garage, and a front and back garden. Luckily, magic can fix a whole lot, but if the Weasley’s ever felt the insurance was necessary, they’d pay around £204 a year to cover the home. It’s a safe, remote location, so this won’t push the price up, but the seemingly shabby state of the home might do.

This cost won’t cover the flying car, so the Weasley’s should probably look at a good car insurance plan. You know, in case of any more run-ins with the Whomping Willow.


D’oh! The Simpsons' house would cost £173 to cover

An asset showing the Simpsons house location, number of rooms, cost of property and home insurance cost

This £900,000 family home is the perfect blend of suburban living and local amenities. Offering four bedrooms, two family rooms, kitchen, bathroom, basement, and attic, it’s got everything you’d need for family life. And it would only be £173 a year for the insurance. The cheap price can be put down due the location of Homer’s house, which escapes the high crime rate in the area brought up by Fat Tony and Sideshow Bob. It’s a shame, then, when in The Simpsons Movie it’s destroyed by a sinkhole. That would have resulted in a hefty bill had the neighbours not rebuilt it all from scratch.

Link’s house is a steal at £103 a year 

An asset showing the Zelda House location, number of rooms, cost of property and home insurance cost

In Breath of the Wild, Link’s house is set in an idyllic, mountainous environment, offering scenic views and the perfect place to unwind after a day’s adventuring. Inside you’ll find all of life’s necessities, like an open-plan living room/ kitchen, a bedroom with a desk, a bookcase and, of course, a weapons rack. That might be the only thing the insurer has more questions about, but if they get past that, it would be a budget-friendly £103 a year to insure. It’s location in the prosperous Hyrule means that there isn’t much for insurers to worry about - provided they can keep Ganon from conquering the land…


The Goth House in The Sims is only £86 a year

The Goth family in The Sims might not be to everyone's taste, but for Mortimer, Bella, Cassandra and Alexander, it’s home. The property spans four floors, with an attic and a rooftop deck on the top two, giving the family plenty of room to spread out. To buy it, the house would cost £380,000, and to insure it, the Goth family would have to spend only £86 a year. Quite reasonable for such a unique property, perhaps due to the lack of crime and steady weather patterns in the Sims neighbourhoods.


It may fly high, but the annual cost of the Up house is low

An asset showing the Up House location, number of rooms, cost of property and home insurance cost

In the film Up, Carl Fredericksen’s home has a low yearly insurance cost: only £82. Considering the house’s tendency to float away to a completely different part of the world, this seems like an extremely reasonable rate. But what else are you getting for this price? The house contains a kitchen, study, sitting room, master bedroom and nursery. Oh, and 20,622 balloons sprouting from the chimney. It’s a cheap annual rate, as when on ground, the house is low risk due to its location. We doubt the insurers expected it to fly away, so this cost would probably shoot up after its return…


Can these fictional characters really afford to live where they do?

If, like us, you’re always thinking about the financial implications of property ownership, you might have found yourself wondering how people afford to live in these fictional homes. Fortunately, we have the answers, as well as some house prices to help us work out who’s lucked out on the property ladder.

Monica’s flat is rent controlled

An image showing Monica from Friends apartment

Perhaps the most famous example of ‘How do they afford to live there?’ homes, Monica’s flat in Friends is surely out of the price range of an up and coming chef. But as the show reveals, the £3 million property is actually rent-controlled. It’s the same monthly cost as when her grandmother, who she inherited the apartment from, lived in it, giving Monica a great deal. As a result, she can afford to live there with her friends and an occasional monkey for as long as she likes. Or until she moves to the suburbs.

The Bates House would cost £1.5m

An image showing the exterior of the Bates house

Who knew the psychopathic and murderous Norman Bates was also rich in property? His imposing home overlooking the infamous Bates Motel would cost £1.5 million, so clearly he gets plenty of patrons coming in (but maybe not out) of his property to afford this.

The residents may be small, but Bag End has a big price tag

An image showing the exterior of The Hobbit house

Home to arguably the biggest celebrities of the Hobbit world, Bag End would have cost Frodo and Bilbo Baggins £1.5m to buy. It’s not cheap to dig all those rooms out of the earth, you know. Located in the charming countryside of Middle Earth, this idealistic location is a sought-after location. Luckily, Bilbo inherited the property after his parents built it themselves, so both he and Frodo managed to dodge this big cost.

And it’s big enough to host as many Hobbit parties as you can bear.


Want a home insurance quote for a real property?

If your home is more fact than fiction, we’ll help you compare our best quotes from up to 65 home insurance companies. Including some of the biggest UK insurance companies. This lets you protect the things that matter in case anything goes wrong.

Just be warned, it's not likely that insurers will insure against accidental damage caused by a ghost, lava or zombie uprising.

Jessica Willock, home insurance expert at Confused.com, comments:

“While we might dream of living in some of our favourite fictional homes, the reality is that some of these fan favourite properties aren’t the cheapest when it comes to buying and insuring them.

“There’s a lot to consider when moving into your forever home. Whether it’s set in a fictional land with wizards and Hobbits or closer to reality, it’s important that you have the right buildings and contents insurance to make sure your home is protected against any natural or supernatural damage that may occur.”