Small town
You file a claim because your cat knocked over your TV. What type of insurance might cover this chaos?"
Homeowners or renters insurance (personal property coverage
Your small-town barn burns down. What insurance covers replacing it
Farm or property insurance.
Your kid breaks a window playing ball. What insurance covers the damage?"
Homeowners or renters insurance (property damage).
Your house catches fire from a kitchen mishap. What insurance saves the day?
Homeowners insurance (fire coverage).
What if your bike is stolen from your garage? What insurance steps in?"
Homeowners or renters insurance (personal property).
A guy insures his $10 cigar against fire damage. What’s the funny catch if he smokes it?"
He can’t claim it—insurance doesn’t cover intentional use!
"The town flood ruins your shop’s inventory. What coverage should you have had?
Flood insurance (separate from standard property policies).
"You slip in a store and sprain your ankle. What insurance might pay your medical bills?
The store’s liability insurance (or your health insurance).
"A tornado rips through town, wrecking your car. What insurance covers it?
Comprehensive auto insurance.
"What if you crash into a luxury car worth $100,000? What insurance covers their repairs?
Auto insurance (liability coverage).
Your friend brags about his ‘million-dollar legs’ insurance. What real-life celebrity famously insured their legs?"
Tina Turner (or accept other celebs like David Beckham).
"You hit the mayor’s cow with your truck. What insurance pays for the cow?"
Auto insurance (liability coverage).
Your car’s stolen from your driveway. What insurance replaces it?"
Comprehensive auto insurance.
You’re sued after your dog bites a delivery guy. What insurance defends you?
Homeowners insurance (liability coverage).
"What if an earthquake shakes your house apart? What special insurance do you need?
Earthquake insurance (not in standard policies).
"You laugh when your uncle insures his prize pig for $5,000. What’s this niche type of coverage?
Livestock insurance.
"A storm fells a tree onto your neighbor’s roof in your small town. Whose insurance covers it?"
Your neighbor’s homeowners insurance (not yours, unless you’re negligent).
You’re diagnosed with a chronic illness at 35. What insurance helps cover long-term care?
Health insurance (or long-term care insurance).
"A hacker steals your identity and drains your bank account. What insurance might reimburse you?"
Identity theft insurance (or cyber insurance)
What if you’re 40 and want your family cared for if you die? What’s the best insurance to buy?"
Term life insurance (or whole life, depending on needs)
A comedian insures his voice for $1 million, then loses it to laryngitis. What’s the policy type?
Specialty insurance (or professional liability for entertainers).
The only mechanic in town overcharges you after a crash. What insurance can help with repair costs?
Collision coverage (part of auto insurance)
Your spouse passes away, leaving you with a mortgage. What insurance pays it off?
Life insurance (or mortgage protection insurance).
Your roof collapses under heavy snow. What insurance covers the repair?
Homeowners insurance (dwelling coverage).
What if a friend crashes your car and injures someone? What insurance pays the victim?
Your auto insurance (liability, as the owner).