Insurences – how useful are they

In general, the insurance industry is mainly focused on making money, not spending it. Therefore, an insurance policy (fine print) is worded such, that in reality the insured is hardly ever covered. From my own experiences, I have never gained any advantage from buying any insurance at a high cost. The only insurance at a low cost and part of a travel package had been in 2012, when traveling to Tunisia and Marocco. Where in Marrakech I fractured my left foot. And needed a travel medical emergency insurance, because of the cost incurred. Other than that: Most of my travels had been from North America to Europe or maybe Mexico, or the odd cruises. Pacific and Caribbean. Most online travel insurances bought in North America are very expensive, I suspect because of the high incident of liability suits. For example I bought for a four months stay in Germany a travel insurance for around over $2,000. The cost itself is not even the problem. But, the absence of decent communication lines between the insured and the insurer. In Europe regular telephone lines do not exist anymore, only mobile phones. Some insurances still operate with a “collect call” system. Try to call North America collect on a European mobile phone costs a fortune, because of either high wait times or not getting connected at all. Consequently, I cancelled this insurance and bought one in Germany for almost the same time, for around €140.
The same applies to home insurance. In forty years and multiple floodings of my homes in Canada, I never got one cent out of any home insurance, I never even tried to submit a claim. I fixed it and I paid it. Question again: How useful are insurances really ? There are numerous websites and blogs and posts that discuss this topic: “should you buy, or not”.
It is for peace of mind. But even so, if really something serious happens, the insurance would find a way, not to pay [this even rhymes].