[hook for novel in either literary or quirky category] (there's no such category as 'quirky')
In the last few years twenty year old Zach has suffered five broken bones, four arrests, two psychiatric hospitalisations, and a car crash; and that's just the big stuff. These days he won't step outdoors without pockets-full of lucky charms.
When he accidentally steals a bunch of DVDs from a shop-front, he seeks refuge from his pursuers in a box that happens to be occupied by a homeless lady. She tells him he wasn't born unlucky; he's just lost his guardian angel. The chances of finding a sane spiritual advisor inside a random box don't seem good to Zach, but he figures he's got nothing to lose by following her advice.
Nathan, the one man act behind Guardian Angels Inc., is not what Zach expected: he's in his early twenties and looks like an overgrown boy scout. Upon determining that Zach's guardian angel has indeed gone missing, Nathan declares Zach a danger to himself and others and insists upon acting as his protector until he can return the lost angel. Zach suspects a scam, and
anyway, he doesn't believe in guardian angels. But now it seems his miasma of bad luck is expanding to include others; like his friend Gary, who goes missing after Zach is the last person to see him; and Nathan himself, whose apartment burns down after Zach pays a visit. Feeling guilty, Zach offers a helping hand to Nathan; and learns Nathan might not be just another con artist after all.
This isn't the best hook I've ever seen, and the writing isn't the zippiest, but I like the idea.