Is there any ‘all-covering’ insurance that covers everything?

There is no single insurance policy that covers everything, as different types of insurance are designed to cover specific risks and losses. For example, health insurance covers medical expenses, car insurance covers damage to your vehicle or liability for accidents, homeowners insurance covers damage to your home or personal property, and so on. However, some insurance companies offer what's called a "comprehensive" or "umbrella" policy that can provide additional coverage above and beyond your other insurance policies. These policies are designed to provide extra protection for high-value assets or for situations where your other insurance policies may not provide enough coverage. For example, an umbrella policy may provide additional liability coverage above and beyond the limits of your car insurance, homeowners insurance, or other liability insurance policies. This can be especially important if you have significant assets that could be at risk in the event of a lawsuit. While a comprehensive policy can provide additional protection, it's important to understand what's covered and what's not covered by the policy. Be sure to read the terms and conditions carefully and speak with your insurance agent to understand what types of losses or damages are covered by your comprehensive policy.