Op you are seemingly an intelligent woman. How have you set your life up and have no knowledge of any details regarding your own future?
I know living in a country you are not from, is difficult. But you have been here 18 years and not looked at how house insurance works and what it's for.
It appears, to me, that you assumed you would meet a man and that he would take care of financially securing you and your future. Which even when married, is a bad idea.
When the house was being bought, did you read or sign anything? If you did and didn't understand it, why didn't you get some advice?
If you didn't, then you likey own nothing. I would be tempted to say this isn't real because I can't grasp anyone sleep walking into this. Being 40 and nor understanding the basics. But, even if it isnt, it may help one of the many who are in this position m or heading into it. Though there's not many as extreme as this.
Even married, a divorce can happen. Spousal support isnt common thing here. You would maybe get a cut of his pension and some of the house (depending on how it's set up) and child support (unless he has the kids 50% of the time).
Its still wouldn't be enough for you to have a great retirement.you could still end up I poverty. You need to provide these things for yourself. You need ro get clued up on Insurances, wills, the property, your position, your pension.