And Carrie? An umbrella policy normally provides additional liability protection if someone sues you after an accident and the limits of your home or auto policy aren’t enough. But it won’t save her here: liability and umbrella policies generally exclude damage caused intentionally. Insurance covers accidents—not a Louisville Slugger with a mission.

The lesson? Carry comprehensive coverage, consider an umbrella for life’s unexpected liability claims, and handle breakups with a playlist—not property damage.