Which insurances are useful?

We never had to obligatorily take out RLV for our two financings in life. The banks were always satisfied with the house as collateral.

No, you don't have to. But if you have a small family, you do want to secure them.

Our health question was: Are you a smoker? Yes/No

We both took out a decreasing RLV, each insuring exactly half of the purchase price. So if one of us dies, the other only continues to pay their half of the installment as usual. The bank did not require this; we just wanted it. For this, each of us "has to" pay €8 monthly.