Cheap insurance worth it or not

I would say be careful of cheap insurance companies like miway. I took out insurance with them only to cover my house hold contents. Which means everything inside my house. It was only to be covered for accedentle damage. And theft. I was told it will even pay out if I broke a glass. But then by accident I broke the switch on my stove that regulates the oven heat. When I contacted them the to claim the switch the claim was not aproved. They said the stove is not part of my furniture only my TV and a mirror is covered and neither was my micro wave and other electrical appliances. I think this is very wrong because these items are part of my house hold content. So be careful for cheap insurance they not really that cheap.