1985 - Our Ford Mustang was stolen out of our apartment parking lot. A day later I realized my and my wife's golf bags were in the trunk. Usually my bag would have been in my car and my wife's in the closet but we had played together that weekend.
Off to the golf shop I went and purchased two full sets of clubs, bags, balls, shoes, etc. The best part was since we had a combined HO/Auto policy, only the $100 automobile comprehensive deductible applied so all the golf equipment was "free".