Homeowners insurance blog

Breaking Down the Insurance Risks of Breaking Bad

Exactly how much damage and destruction did the Heisenberg Empire actually cause?  As insurance experts and fans of the show, we’re less interested in focusing on the “what-ifs” that could have prevented Walt from picking up a gas mask in the first place. We want to know what kind of claims Skylar might be calling in after the show’s satisfying series finale.

308 Negra Lane: The White Residence

Home Insurance Risk level: High

  • The White Residence hosted unexpected visits from cartel assassins, gasoline wielding ex-partners, neo-Nazis, and other criminals. Not to mention …
  • A vial of Ricin was hidden in the bedroom for more than a year, and a poisonous Lily is growing in the backyard.
  • The Wayfarer 515 collision occurred just above the neighborhood, sending chunks of plane debris and a charred pink teddy bear into the Whites’ pool.
  • After Walt’s getaway, the house is seized by the government, overrun with skateboarding delinquents, trashed, and covered in “Heisenberg” graffiti tags. Initially valued at $150,000-$200,000, it lost most if not all of its real-estate value.

Bad news for next-door-neighbor, Carol, too: According to one study, the value of a home declines 10.5% after a meth lab is discovered within an eighth of a mile of the property. Declines in home prices typically lasted at least two years and could drop nearly 20% in the first year alone.

Mrs. Ortega’s 1986 Fleetwood Bounder: “The RV”

Auto Insurance Risk level: Extremely high

  • It’s a stolen mobile meth lab containing highly volatile chemicals and explosives. Nothing about this vehicle isn’t dangerous.
  • Slight damage to the door – from bullets fired by Emilio as Walt murdered him via phosphine gas.
  • Extended treks and overnight stays in middle of the New Mexico desert.
  • The subject of an extensive search by the DEA

Walt gave Jesse $7,000 to pick up an RV, although most of that cash went to other ventures. The vehicle actually was stolen from Combo’s mom. Considering all the damage caused during their cooks in the desert, the murders that occurred inside, and the fact that the RV was eventually demolished and recycled as patio furniture, it seems like this claim might be best kept off the books.

Walter White/Heisenberg

Life Insurance Risk level: Breaking Bad

  • Suffers from inoperable lung cancer but works in volatile lab conditions and makes frequent treks to the desert.
  • He’s a wanted man on the run after being outed as the most notorious drug kingpin in the Southwest.
  • Produced billions of dollars’ worth of meth that was distributed globally, contributing to the health declines and deaths of thousands of his customers.
  • He has more than 200 deaths directly attributable to him, including the Wayfarer 515 collision, a major drug kingpin, nine prisoners in a window of two minutes and the attempted murder of a 6-year-old boy.
  • Has a tendency to destroy the labs he works in (The RV was crushed, the superlab was burned down) and to murder his employers and business partners (From Emilio and Krazy 8 to Gus, Mike and Uncle Jack).

Astute fans will remember part of why Walt started building his empire in the first place – he canceled his life insurance policy before he got sick. The other reason, obviously, was to pay for his extensive treatment for lung cancer.

Ultimately, however, the problem wasn’t having enough cash to leave behind for his family. It was just the small matter of getting it to them.