"In my defense," Twilight said, "this sort of thing is totally unprecedented."
The insurance agent was finding it difficult to keep a straight face. "So you never saw a problem with living in a wooden building, filled with paper products, with both a fire-breathing dragon and a baby phoenix?"
"And the explosive chemicals in the basement," Twilight added. "But we never had any problems before, honest."
"I see." The agent adjusted his glasses, then patted some glowing embers off his shoulders. "Even so, perhaps we should move elsewhere while we finish the forms for your balloon."
Oh, Twilight. Why didn't you just buy home insurance in the first place?
Oh yeah. Baby pheonix. Forgot about that.
As for the balloon, there's also its burner if it has one...
Coming from a family of balloonists, belive me when I say that insurance companies hate balloons.
1586156 like, your family owns and rides in hot air balloons? That's pretty cool.