I had liability-only insurance but with a clause including 100% coverage specifically for windshield replacement. I’m not sure why. I used it twice (once per vehicle) over the years and my rates didn’t go up as far as I could tell.

One time I locked my keys inside my truck and then I decided it was a good time to get the crack in my windshield fixed. It really did have a crack, but I also didn’t have to pay to have the truck unlocked.