Rarely does insurance make you whole again
True enough. Which is why I carry huge deductibles in on house/farm/cars, a couple million umbrella for 'lawyer liability', and put the savings in the bank so I'm self insured for a lot of small things. I consider a 10 year old tractor or car a reasonably small thing, and would simply replace them out of savings.
That said, my aim is too mitigate as many small things as I can. Have 6 fire extinguishers in the house, one in both vehicles, a 5lb one on the mini-ex (with all that hydraulic everything, if one gets started 5lbs might not do it

), 2 in the shop, one in the shed where I park my truck and mini-ex, one at the sawmill shed and one at the fuel shed......and the one on the tractor. I think I counted 15 there spread out all over the place.
One near the kitchen is one of those haylon gas type.....no mess to clean up from the extinguisher, assuming you get a fire out.
One on the steps going down to the basement, just off the living room. Also a set of Chimfex wood stove extinguishers in case of a flue fire.
Two in the basement (1/2 basement, small area) plus Chimfex because we have a wood stove there too:
One in the garage just outside the kitchen door:
One in the 'auxiliary kitchen'/meat prep room off the back of the garage + Chimfex for the wood cook stove:
( yes, the paper towels are not normally stored on top the stove during use.....I know SOMEBODY will point it out.....

)
One in the car in the garage:
All of these photos, and many more, are stored in a file called "Insurance Photos" stored on the cloud should they ever be needed.