Think about the stories we learned as children, those our parents would read when they wanted us to close our eyes and sleep. Far from being peaceful tales of good little girls and boys who frolicked in some flowered field and then, exhausted, were tucked into their beds to sleep, these stories were filled with tragedy and woe. You know, babies falling from trees, houses getting blown down, porridge being stolen, and little girls getting chased through the woods by wolves.

Nursery rhymes and fairytales are essentially comprised of all the things that keep us grownups awake at night — things we fret about in the wee hours and (hopefully) do our best to insure ourselves against. So at the risk of becoming stodgy, unimaginative, and middle-aged, let’s take a moment to consider how homeowners insurance could have made a difference in the chaos-riddled lives of a few storybook heroes.

The 3 Little Pigs

The children’s classic

The first little pig builds his house with straw. Then the big, bad wolf comes and blows his house down. The second little pig builds his house with sticks. Then the big, bad wolf comes and blows that house down. The third little pig builds his house with bricks. Then the big, bad wolf comes but can’t blow his house down.

The grownup twist

Of course, there’s no such thing as a wolf with hurricane-force lungs. But there are countless other variables in life that can be just as difficult to imagine or foresee.

The moral

Whatever your home’s made of, you want to make sure you’re covered when the unexpected happens. Homeowners insurance helps you rebuild and can even help you bring your home up to code when you do (thereby replacing those sticks with bricks).

Humpty Dumpty

The children’s classic

Humpty Dumpty was a klutz. He fell off a wall. He never fully recovered.

The grownup twist

If someone’s injured on your property, you might as well think of yourself as all the king’s horses and all the king’s men because you’re on the hook for putting them back together again.

The moral

If you have homeowners insurance, your guest medical coverage could help pay for Humpty’s medical bills. And if, heaven forbid, Humpty decides to sue, your liability coverage should help cover your legal expenses as well.

Little Red Riding Hood

The children’s classic

A little girl is going to visit her grandma’s house in the woods. She talks to a big bad wolf. The big bad wolf tricks her and gets to the house first. He devours her grandma. Then, he dresses up like her grandma and devours poor Little Red Riding Hood.

The grownup twist

Although it rarely results in small children being eaten, ID theft can, and does, result in sadness and woe for its victims.

The moral

Although the big, bad wolf was clever, modern-day bad guys are twice as smart and don’t have to traipse into the woods to gain access to your info. Lucky for you, homeowners insurance from Esurance can help you prevent ID theft and recover from it.

Homeowners insurance saves the day

Here’s the moral of the story, kids: there’s just no accounting for the big, bad wolf and no telling what he’s capable of … so it’s best to be smart like the third little pig. A good homeowners insurance policy is the next best thing to bricks when it comes to protecting your home and your family from all that huffing and puffing.

Esurance now offers homeowners insurance in 6 states, including Arizona, Colorado, Illinois, Missouri, Oregon, and Wisconsin (with many more states on the way!).

Related links

You don’t have to be a billionaire to buy homeowners insurance in Illinois

An actuary reveals how your homeowners insurance rate is determined

5 surprising things covered by homeowners insurance

Insurance 101 | Homeowners 101


about Heidi

Heidi brings 11 years’ experience to her role as Esurance’s copywriting manager. Writer, editor, and all around wordsy, she was content when content wasn’t cool. Also, she likes old-school country.