I travel with electronics, personal belongings, and important documents, so I carefully review property insurance, and
https://www.globelink.eu/comprehensive-travel-insurance.html provides an overview of comprehensive coverage for EU and EEA residents. I usually keep copies of my passport, tickets, and insurance certificate separately from the originals. For valuables, it's also a good idea to check the per-item payout limits in advance. Do you keep photos of your luggage and copies of receipts before departure?