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Insurance while renting a car in France

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I am booking a car on rent from europecar.com.
The website says following are included.

1. Licenses & Fees (LAF)
2. Collision Damage Waiver (See T&Cs for excess charge details )(CDW)
3. Theft Waiver (THW) (See T&Cs for excess charge details )
4. Railway Station Surcharge
5. VAT


And the site says there will be extra Charges for
1. Serenity Pack (SER-PACK) Full "car" coverage, including broken windows and simple flat tires

I have read a lot about these insurance policies. But still confused now. Can someone explain me.

Basically i should have full insurance, theft coverage and full damage waiver. What and all i should opt?. I want a tension free travel.

What are the other "hidden things" should i look for ?

-Prashanth

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