Why do we have insurance????

I went on holiday in December 2014 & was welcomed home by an unpleasant smell as a result of the electricity having tripped, probably 2 weeks prior to my return! I lodged an electronic claim, with Discovery Insure, that evening for food spoilage & thought I'd call them the next day to discuss the way forward. My house smelt revolting from the rotten food left in the fridge. I was very disappointed by the lack of efficient service I received regarding the claim but more so by the fact that my fridge is \not insured"for this & although I am unable to use my fridge following this incidence because of the smell"