As for others, there are many, such as theft insurance, vehicle liability insurance, scratch insurance, glass breakage insurance, spontaneous combustion insurance and so on. ...
It depends on your personal requirements!
Whether the three are 300 thousand or 500 thousand depends on your personal financial strength! If the money is not bad, you can protect more than 500 thousand! Didn't this happen a few years ago, the Rolls-Royce incident! That is, someone hit a Rolls Royce with a car, and the repair cost of the car alone was 654.38+0.5 million, so from that year on, the rich people in the south were basically about 2 million. A friend of mine has insured 1.5 million!
Therefore, commercial insurance and your three risks all depend on your personal strength. Insure more if you have money!
I personally insured in PICC! Peace is also good!
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.