What do you consider useful? While I do not know how easy it is to make a claim, but my policy is a bit over $100 annual and covers some $20-30k loss. Which fee

What do you consider useful? While I do not know how easy it is to make a claim, but my policy is a bit over $100 annual and covers some $20-30k loss. Which feels more than sufficient. Hopefully, I never have to use it, and it is just a tax I pay.