Is building insurance for a garage reasonable?

First and foremost, it is important to me that damages which may arise from my garage,

From the garage? It doesn't do anything to anyone.

I wouldn't pay 120 euros for that. What big deal could happen?

Hello everyone, maybe I am also thinking too complicated? Let's assume, for example, that in a storm the parapet detaches and crashes onto a car..... or someone injures themselves on my garage door. So it is more about a building liability, which is usually included in a building insurance. If my liability insurance should apply here (which I actually cannot imagine) I most likely would not need a policy. By the way, I also don't understand what is meant by the post "Precast concrete garage and roof newly covered. I don't get it" Best regards, Marc

Isn't something like that included in private liability insurance?

Isn't something like that included in personal liability insurance?

Only in the own property where one lives. Not for the garage 400m away.