As adults, we preemptively get insurance to protect for the unknown. We get medical, home, automobile, or life insurance, for example. Some collectors and investors insure boats, precious rugs, antiques, vintage cars, and fine art.
If you have the mindset to insure a painting, then why not a valuable comic book, or a large collection? Even if you have comics that are not valuable today, the longer you own them, the more probable they may become valuable in the future through age and rarity.