Clueless... If you have insured your house against fire, and your house burns down, you should always get the money you have insured it for. If the shed in your yard is not covered by that insurance, you won't get any money if it burns down. That's logic. If you want money for that too, it should be included in the police.

But I see that you really don't get the point here, even though you wanted to use "insurance" as the (faulty) example here. Maybe you should stick to the topic.