When I first started out and had these two lens my walk around lens was the AFS 18-55.

Mine D5100 fell out of the camera bag that I grabbed out of the car ( hadn't zipper bag) . Would do everything but take a picture. Lucky for me it was less than a year old and didn't look like it was dropped. Long story short send to Nikon , repaired shutter under warranty and returned 5 weeks later. That was a year and a half ago and still working like a pro.... My camera equipment is now insuranced but hope to never have to use it.