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Switzerland to Italy car rental question

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I am aware that this is a cross border one way rental, and the rates seem reasonable enough for our dates, but I still have an insurance question. The "inclusive rate" at AutoEurope.com is much more expensive and includes

Inclusive Rate Includes:

Liability Insurance
Fire Insurance
Collision Damage Waiver (CDW) - with deductible
Theft Protection (TP) - with deductible

We have great car insurance at home (USAA) and will rent with credit card that provides coverage. Are those 4 things listed in the Inclusive Rate not included in credit card coverage or regular car insurance? What about travel insurance?

Drawing a blank of this despite lots of car rentals in Europe and elsewhere.

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