The bubbly, yellow sponge lovingly known as SpongeBob lives in the underwater city Bikini Bottom in a pineapple with his pet snail Gary. (Oh, and in case you don't know: SpongeBob is the star of his own animated show on Nickelodeon.) But the sea can be a dangerous place, especially for underwater fruit homes. So how much home insurance would SpongeBob need to protect his pineapple house?

The current price of a whole pineapple is around $3.00 out here in California. Bikini Bottom is out in the Pacific Ocean so the California cost is a good estimate. The Insurance Information Institute recommends having enough home insurance to cover rebuilding your home, so SpongeBob should get a policy that covers at least $3.00. His typical home insurance policy will cover damage to his pineapple from hurricanes, hail, lightning or fire (which is not impossible in Bikini Bottom). The home insurance would also include liability coverage should an(other) accident happen around the pineapple.

SpongeBob works as a fry cook at the Krusty Krab diner. He doesn't make too much because the owner of the Krusty Krab, Mr. Krabs, is a real penny-pincher. SpongeBob might find it hard to afford a pricy pineapple home insurance policy. So SpongeBob should probably shop around for multiple home insurance quotes--make sure he's getting the right amount of coverage for his money.

One way to save on home insurance is combining a car insurance policy with home insurance. Unfortunately for SpongeBob, he doesn't have a driver's license, though he's been trying for years. Maybe someday!

Having a pineapple house may seem strange, but what about SpongeBob's friends? Best friend Patrick Star lives under a very nice rock, but that may not need a policy. SpongeBob's egotistical, clarinet-loving neighbor Squidward lives in an Easter Island head, and has quite a bit of self-made paintings and sculptures. So Squidward may want to look into home insurance policy that will cover his "art." What about penny-pinching Mr. Krabs? Well he will definitely want a home insurance policy that will not-only cover his lovely anchor-home, but will be as cheap as possible. Krabs will want to compare lots of home insurance quotes.

Who knew we could learn so much about home insurance from an innocent, jelly-fishing, karate-loving yellow sponge?