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Even Smart People Do Dumb Things: 10 Times Insurance Saved the Day

by | Apr 18, 2023

We all make mistakes, but some of us are more “creative” than others. Whether it’s a DIY project gone wrong or an over-the-top stunt, our potential for doing something outrageously dumb is limitless. Thankfully, insurance is there to save the day. Here are 10 real-life stories of people who did something incredibly dumb, only to be rescued by their insurance coverage.

The Homemade Cannon Catastrophe

A man decided to build a homemade cannon in his backyard. After setting it off, the cannonball went through his neighbor’s wall, causing extensive damage. Luckily, his homeowner’s insurance policy covered the property damage, and no one was hurt.

The Accidental Car Wash Flood

A driver accidentally hit the gas pedal instead of the brake while at a car wash, plowing through the car wash’s wall and flooding the business. The driver’s auto insurance policy took care of the damages to both the car wash and the driver’s car.

The DIY Bungee Jump

A thrill-seeker set up a homemade bungee jump from their roof, only to crash through their neighbor’s skylight. Fortunately, the bungee jumper’s homeowner’s insurance covered the damage to the neighbor’s property.

The Indoor Fireworks Show

A person decided to set off fireworks inside their home, causing significant fire damage. Despite the unusual cause of the fire, their homeowner’s insurance covered the damages and helped them rebuild.

The Overenthusiastic Dog

A dog owner left their excited pup alone for just a few minutes, only to find their dog had chewed through a water pipe. The resulting flood caused substantial damage to their home. Thankfully, their homeowner’s insurance policy covered the water damage.

The Lawnmower Launch

A DIY enthusiast modified their lawnmower to increase its speed, lost control, and crashed it through their garage door. The homeowner’s insurance policy covered the damage to both the lawnmower and the garage door.

The Jet Ski Joyride

A person took their jet ski for a ride on a public fountain, causing damage to the fountain and their jet ski. Their personal liability coverage under their homeowner’s policy covered the damages to the fountain, and their personal watercraft insurance covered the damage to the jet ski.

The Tree-Felling Fiasco

A homeowner decided to cut down a tree in their yard without professional help. Unfortunately, the tree fell onto their house, causing significant damage. Their homeowner’s insurance policy covered the cost of repairing the damage.

The Unfortunate Wine Cellar

A wine enthusiast decided to turn their basement into a wine cellar. They installed a cooling system without proper ventilation, causing the unit to overheat and start a fire. Luckily, their homeowner’s insurance covered the damages and the cost of rebuilding the wine cellar.

The Backyard Fire-Breathing Act

A person tried to impress their friends with a fire-breathing act in their backyard, accidentally setting their deck on fire. Thankfully, their homeowner’s insurance policy covered the damages and helped them rebuild their deck.

We’re Here for You

As you can see, even the smartest people can do some pretty dumb things. The good news is that insurance is there to help when our creativity gets the best of us. At Page Insurance, we understand that accidents happen, and we’re here to help you find the best coverage for your unique circumstances and preferences. Remember, even if you think you couldn’t do something dumb, other people around you might. So, it’s always better to be prepared!

Smart savings here.


John Page, President of Page Insurance, has been a driving force in the insurance industry since 1999. As a licensed agent in Property & Casualty, Life, and Health insurance, John has won numerous awards for agency management and works tirelessly to improve agency operations with the client in mind. He is passionate about building and investing in the Page team of experts, ensuring they deliver top-notch service to clients. In his free time, John enjoys snowmobiling, gaming, reading, traveling with his wife and three kids, and cheering on the local Idaho Falls hockey team.