I don't understand insurance
I just met with a happy merchant and we upped some limits on my home and it includes almost everything,fire, disaster, migrant attacks, even personal responsibility, you forgot your keys, you get stuck in a tunnel, damages caused by me, it even covers travel expenses, BIKE expenses, even BIKE recovery like when your chain snaps and you get triple pinchazo, they will come in a car to get you. Hell even it includes a home visit ("an hour husband"), they will help you repair your facilities and appliances.
Yes there's co pay like torty euro for SOME parts.
But it all costs 100 euro a year.