Cant use Home Insurance but pay for it

Have to phone my insurance at the previous house for geyser replacement. They send out people from 80 km away to replace. When they arrived it was not the right size. In the meantime water was pouring out of it into my yard. They returned and started replacing. Something did seem right so I phoned the plumber in my own home town. In 5 min he was there and saw that the pipes were not replaced right. Everything had to be replaced again. The pipes were to bursed if it was not put right on. After more than 5 hours everything was done and cleared. In my new house I phone because the drains were started be blocked. I phone the insurance. So was told to use their people again. Why if I could get one on my own town and will be there in 5 min? No I must wait for the people, they will come from Pretoria that is 2 hours from me. In the meantime the sewerage were flooded my back yard. I said no stop, I will use my own. So if I was getting help form the insurance, what about my swimming pool in my back yard that will be filled with sewerage. Who will fixed that? No one. Why do we have insurance if we cant use our own and get quicker results??????