Our family has experienced two total loss natural disasters (earthquakes while living overseas, followed by a house fire in TX). None of these events were predicted. The earthquake(s) occurred on a "blind" fault, and the house fire was a freak accident caused by drought + forest fire that spread to a city. All of them resulted in months of stress, exhaustion, relocation, $$$ buying for very short-term needs and replacing virtually everything we owned. And ridiculous amounts of hours dealing with insurance agents, creating excel spreadsheets of everything we owned so the insurance company could calculate and devalue everything based on age/use, etc. only to get us up to the policy max, etc.
We also had a dishwasher leak one time when a house-sitter started our dishwasher when we were out of town. We returned home to ~1000 sq ft of ruined floor and wet/molding lower kitchen cabinets. Even that event took about 4 months and stupid amounts of money to resolve start to finish (water remediation, moving all the furniture + baseboards to install new flooring, waiting on insurance to approve, living upstairs without a full kitchen for 3 weeks, closing out with all receipts, etc.).
We are big proponents of healthy insurance policies - esp "replacement value" riders. We have big deductibles, but I don't think I'd ever want a $25k deductible with our bad luck. Of course, logically, these are rare events... but we've met a surprising number of people with house fires, floods, etc.
¯\_(ツ)_/¯