I've often noted on this forum that I neither trust nor like insurance companies. The wheel and tire policy I bought has certainly paid for itself here. New tire mounted and balanced no charge to me They also previously replaced a classic wheel
The tech mentioned that he has seen everything from nails to railroad spikes in Porsche tires and a flat tire is not at all uncommon. For those on the fence about such insurance - bargain hard with the dealer to purchase it as close to their cost as possible.