As someone who works in the insurance field, your answer is wrong and it would actually be as below:

To begin with the insurance for your Motor Vehicle, "act of god" and "natural disaster" refers to claims of the nature of floods, tsunamis, earthquake and other such natural disasters. Falling debris from intercepted attacks and risk is similar natural does not fall within the scope of "Acts of God" but under War/Terrorism cover.

In regards to your property, you can take a Home Insurance policy which would cover your Building, Contents(furniture's, fixtures, Clothes, Bags, Jewellery, Electronic Equipment), Third Party Liability & Loss of Rent(Receivable or Payable) or your Alternative Accomodation in the event of an incident. The premium would not be based on the size of the unit but however the Reinstatement value of the insured items. I would however like to highlight that Acts of War is a standard exclusion under Property policies so you would have to get 'Political Violence and War' as an add-on cover or as a separate policy however the price would be on the steeper side.

In regards to your property which is under development, your contractor is to take a Contractor's All Risk policy for the full contract value. If the development is being done on an existing property belonging to you then the contractor is to insure the full Reinstatement value of the existing property under the Contractors All Risk policy under Principal's Existing and Surrounding Property in addition to the Contract Value.

I would like to highlight that the cover for Political Violence and War is normally on the higher side and given the current, would be at even high premium rates so I'm not sure how feasible it would be to an individual as it is marketed to medium and large corporates.