There is no such thing as 'windshield insurance' or 'windshield replacement insurance.'
However, some car insurance companies that cover areas known for harsher elements will also offer what’s called 'Full Glass Coverage' as an add-on. This extra feature is exclusively dedicated to windshield glass repair or replacement and often with a $0 deductible option. It includes damage like:
Small breaks in the non-acute areas (not in front of the driver)
Chips and breaks such as bullseye, star, half-moon, and a combination
Replacements are needed once the damage is larger than then about 4-6 inches
Replacements are highly recommended if the crack is in the direct vision of the driver