Dua that works like Insurance - The Du'a of Abu-Darda

"One day, a neighbor came running to Hadrat Abu-Dardaa (Radiy-Allaahu anhu) when he was at his shop. The neighbor said that the neighborhood where they lived was on fire and that Hadrat Abu-Dardaa's house was also burning. Hadrat Abu-Dardaa calmly said, 'No, it has not burned.' Another person came in and gave the same report, and Hadrat Abu-Dardaa gave the same reply. A third person showed up with the same news and got the same answer. Then another man came in and said, 'Abu-Dardaa! The fire was blazing high but, when the flames came to your house, they went out!' Abu-Dardaa replied, 'I knew that Allah, The Exalted, would not allow my house to burn because I heard from Rasulu-Lah (Salla-Lahu 'alai wa Salam) that the person who repeats certain words in the morning will be safe from all misfortunes until evening, and I recited those words this morning.'"

They are:

اللهم انت ربي لا اله الا انت عليك توكلت وانت رب العرش العظيم, ما
شاء الله كان ومالم يشأ لم يكن, ولا حول ولا قوة الا بالله العلي العظيم,
اعلم ان الله على كل شىء قدير, وان الله قد احاط بكل شيء علما, اللهم
اني اعوذ بك من شر نفسي, ومن شر كل دابة انت آخذ بناصيتها, ان ربي
على صراط مستقيم

"Allah-humma, anta rabbi, laa ilaaha illaa Anta, 'alaika tawakkaltu wa anta rabbul 'arshil kariymi maashaa Allaahu kaana wa maLam yasha' lam yakuw-wa laa hawla wa laa quwwata illaa bil-Laahil 'Aliyyil 'Aziym. A'lamu annallaaha 'alaa kulli shay in qadiyruw-wa annallaaha qad ahaata bikulli shay in 'almaa.

Allah-humma inni a'uthu bika min sharri nafsiy wa min sharri kulli daabbatin, anta aakhithum bi naasiyatihaa inna rabiy 'alaa siraatim-mustaqiym."

Translation:

"Oh Allah, You are my Lord. There is nothing worthy of worship except You. I place all of my trust and reliance in You and You are the Lord of the Noble Throne. Whatever Allah wishes takes place, and whatever He does not desire, does not occur, and there is no power and no strength except in Allah, The Exalted, The Mighty. I know that Allah is Powerful over all things and that Allah has knowledge of all things.

Oh Allah, I seek refuge in You from the evil of my nafs and from the evil of every creeping crawling creature. You are master over them. Verily, You are Lord of the Straight Path."

Listen to audio MP3 here.