Refundable airline tix? OR non-refundable tix and cover that expense under travel insurance?

Refundable airline tix? OR non-refundable tix and cover that expense under travel insurance? In general, do you think it best to: 1) Buy travel insurance that covers everything, including non-refundable airline tix (in other words, you would report the cost of your trip to include the price of the tix). Or
Only cover the body of the trip (all but the flights) with travel insurance, and buy refundable airline tix?

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