Is it permissible, Islamically, to resort to comprehensive car insurance and home/apartment insurance—which is non-mandatory insurance—due to the fear of being targeted by extremists in Sweden, as a way to protect the assets of Muslim minorities?

Commercial insurance is forbidden, and it is not permissible to subscribe to it voluntarily. However, if a person is forced into it, there is no sin upon him, and the sin falls upon the one who coerced him. Nevertheless, one must limit oneself to the minimum legally acceptable level. Partial and comprehensive insurance, as well as home insurance, are optional, and the fear of what might happen is not considered a necessity that permits committing a prohibited act.