Heard Alan King tell this on an Ed Sullivan retrospective: The other day my house caught fire. The insurance agent said, "Shouldn't be a problem. What kind of coverage do you have?" I said, "Fire and theft." Insurance agent frowned. "Uh oh. Wrong kind. Should be fire OR theft." Apparently, the only way I can make a claim with this coverage is if the house is robbed WHILE it's burning down.
(From the "Rest" of RHF)