lqet parent
We recently bought a house, and we learned that it is surprisingly difficult to get insurance that covers damage from asteroids / meteors / satellite parts. It is AFAIK impossible to get insurance that covers war damage.
Even if an insurance policy covered war, the chance of collecting the full amount would be almost zero. War levels extremely large areas, most buildings aren't bomb-resistant bunkers, and fighting drags on. There's no insurer who could handle paying all the claims they'd receive at the same time. Only governments could handle that level of funding.