Which insurances do you have, which ones are worth it?

Literally "pay off" hopefully not a single insurance policy - everyone is glad when no damage occurs. Necessary for a family besides liability insurance is above all the term life insurance. And for both parents, even if only one is employed. Because if the caregiving parent dies, the other one can no longer work full-time or has to organize costly, extensive childcare. A disability insurance is too expensive for most of those who really need it (physically working people). The occupational groups for which the contributions are still reasonable usually don’t need it (office jobs). For people who do not do physical work, something really has to happen first for them to become truly disabled to work. And if so, most are "only" temporarily disabled. Burnout or cancer are typical examples. Almost no one becomes truly permanently disabled. Essentially it makes more sense to set aside the expensive contributions for disability insurance to be able to draw on them in case of actual disability. Essentially... but I also have one, despite an office job. Besides: liability, household contents, residential building, legal protection (for professional reasons), term life insurance and accident insurance for the children.

I think you can't generally say that a disability insurance is more important than accident insurance.

Yes, in general illness is significantly more common than accidents. Not only but especially as a cause for (partial) occupational/disability. And the welfare state then provides surprisingly little . Consequently, disability insurance is also significantly more expensive than accident insurance (the costs correlate with the risk) and for many professions, disability insurance is not available at reasonable costs at all.