I came across this credit card which offers 5% cashback on utility billers like electricity, gas, water and more and 0.5% on any category which does not get the 5% cashback. However, I will take that card only if it offers 5% cashback on insurance biller as well. I do not understand whether an insurance biller is a utility biller. Basically I want to know the exhaustive list of what else can come under utility biller (besides electricity, gas and water).
Insurance company doesn't, to the best of my knowledge, provide any utility services to your household. Why would you think they would fit the "utility" category?
They don't. Electricity, gas and water is the exhaustive list. In many cases TV/internet/cable/phone is also considered utility, check with your credit card issuer, but it is not always.