13 times in life you realize you really, really need insurance

We've all been there. You think, "Maybe I'll save myself some money and skip the insurance for now. Nothing's actually going to happen."

Well. Actually. It is going to happen. Some of it, anyway. Like...

1. When the biggest rock in your life is no longer that wrestler guy

You got yourself the man. Now, go get yourself some extra coverage for that ring. It's likely worth more than your laptop, your car and your other jewelry put together. And is it just you, or is it a little loose? Wuh oh, protect that puppy, before it's too late.

2. When you order buffalo wings and your dog swallows the bones

Those wings were good. So good you left a huge plate of bones out for Fido to clean up. But not good enough to merit spending the night in a 24-hour animal hospital with a whimpering dog. Next time, just order yourself pizza... with a side of pet insurance.

3.When the skydiving instructor mentions it's only his second jump

Gulp. It's been on your bucket list forever, and now you might never get the chance to cross it off. Sure, that chute will (probably) pop out right, but not before your life insurance policy flashes before your eyes!

4. When your family gets all '70s TV sitcom

Lady with three daughters marries guy with three sons. They find a housekeeper and move in together. Hooray... the steps to happiness! What's missing? Oh, just the part about life insurance.

5. When it's clear you don't know how to properly chain up your bike

You bought a lock. You found a bike rack. You're good, right? Well, if you don't want to take up unicycling, you'd better have some homeowners or renters insurance to cover your things... even when they're not at home.

6.When your blog lands you in hot water

You did it! Yesterday, you posted a juicy rumor about the woman down the street, and now your blog is totally blowing up! Comments, likes, shares... you are the COOLEST. That is, until a notice shows up at your door that the woman is suing you for libel. Got homeowners or renters insurance? Good. If you've got a Personal Umbrella policy, it may actually cover the costs of your defense and indemnity.

So, look into it, and blog on...

7. When you meet "the one"

It all happens in a single magical moment, right? Boom! You meet the one and your whole future opens up. You see a lifetime of adventure and passion and happiness. Oh, and houses, and tense conversations about money, and minivans... and life insurance.

8.When THAT DOCK TOTALLY CAME OUT OF NOWHERE

Drive your boat into dangerous waters? Pirates are so not your insurance company's problem. Get distracted by a tasty treat and crash your boat into the dock? That you could probably put in a claim for.

If, in the process, you manage to crash into a bunch of other boats docked there as well, the claim could exceed your boat insurance coverage. So, learn your gaps, leave 'em in your wake, and get back to enjoying the ocean breeze in your hair.

9. When you get too close to wildlife

White-tailed deer may be cute. But they're actually one of the most dangerous animals in North America, causing 1.25 million accidents and necessitating nearly $4 billion in auto insurance payouts each year. Oh dear!

10.When people go bananas for that funky little scarf you're selling on Etsy

Brush your shoulders off; start your own business; and get yourself some business insurance. You may just be the next big thing in neckwear.

11. When you get into a fender bender with half your kid's soccer team in the backseat

You offered to take them for ice cream after the game, and you were totally the hero. Now, you are liable for the other driver, any damages to their car, and all those kids in the backseat. Just think: X-rays, doctor visits, and ambulance fees for seven? Eight? That could be a significant coverage gap. So, the time to look into gaps insurance is before something like this happens.

12.When your prized possession is RUINED

Discovering that comic book from the 40s at a shop in Brooklyn, basically made your year... until one of your (former) friends managed to spill her wine all over it. Ugh, super villain! That was one of a kind! Your life is super hard. Luckily, insurance isn't. If the book was worth more than your deductible -- which let's face it, it was -- and you have a floater to cover it, file a claim with your renters insurance and get yourself a new favorite valuable that doesn't smell like Merlot.

13.When your car is valued at $10, but you still owe $10,000

Still paying off loans on your car? If you get into an accident, your auto insurance could value your vehicle less than what you still owe on it. No need to panic, though. If you know your gaps, you can up your coverage accordingly... and that would be a very good thing in a situation like this.

And, you know, ALL OF THE OTHER TIMES...

This page was produced by the advertising department of CBSNews.com in collaboration with Farmers Insurance. The news and editorial staff of CBSNews.com had no role in its preparation.

Christina Capatides

Christina Capatides is CBS News' Vice President of Social Media and Trending Content. She is also a senior producer and reporter, focusing on culture and gender equity.