Talk with your local insurance agent. Same with getting medical advice on the internet, talk to a doctor.

Sometimes a homeowner's or renter's insurance policy will cover a bicycle, sometimes you have to get a rider. In either case you need to look at the fine print and figure out exactly what is covered and how it is covered. For an example look at some lock manufacturer's disclaimers for what is covered and what you have to do to prove the lock failed to protect your bike, you might find that the company requires proof in the form of a broken or disabled lock, and if the thief takes the lock or chops it off and throws it away somewhere then you have no proof that the lock failed and therefore have no claim for recovery. Your renter's or homeowner's policy might have similar requirements.

A taco'd wheel would be from abuse or from a road hazzard or from lack of maintenance and probably wouldn't be covered unless you had a road hazard rider on a policy.

Good luck on getting a bicycle insured like a car.