Homeowner’s insurance covering something like this? I’ve never heard of it…hmmmmm…interesting. I have a trick to dealing with shopping carts, doors, rocks, and other things that’ll put dings in my car. I don’t worry about it! I figure if its going to happen, its going to happen and there’s nothing I can do about it except curse a few times and save up money to get it fixed! Also when I go grocery shopping I park a little ways out in the parking lot where you’re less likely to get bashed by a shopping cart or a careless driver swinging their door open to hitting the car. It’s not completely 100% but lessens the odds of it happening, unless I go into a store at night, then I park closer to the building.