We have such wheelie bins (new word for me)
All stored in a little house.
Often the problems are old trees.
If there is such one on your property and its loosing a rotten branch
and there is some damage for neighbors, it could lead to severe problems.
We have two different insurances āprivate liability insuranceā and the same for the house and the property.
The last one covers those cases of damage (BUT for others only, not yours)
If there is a damage on your own things you need another one.:
Called āBuilding insuranceā.
This covers damages caused by : storm, fire, heavy rain, snow, inundation etc.
on your own things.
You see : Buy shares from insurance companies!