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 Even in an industry built on “what’s the worst that could happen?” these coverages take the cake. Karen Dole / Shutterstock.com

Insurance can protect against just about everything, even curly fries in your engine. But that’s just a regular auto policy, and claims agents get all sorts of funny stories about those. Some very specialized insurance types exist, though. Trying to get back those nonrefundable deposits after your daughter breaks up with her husband-to-be? Surprised by more than one heartbeat on the sonogram?

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