depends on the size of the property, with my insurance it would have been included up to 2000m², but unfortunately I have 500m² more, so I had to take out a separate one.
A modest role is also played by the usage. For the owner-occupied own house/land, it is included in our personal liability insurance. An acquaintance bought a plot of land for his company, which is to be developed, for which the personal liability insurance was then not sufficient, so a separate contract was necessary.