Lol. I had flood insurance & house insurance. I even had a replacement cost add-on. Helps with furniture, appliances and such but not comics.
I lived in S. La. for most of my life so good insurance was a must for any homeowner and flood insurance was a requirement for your mortgage. I’ve since moved from flood concerns to fire concerns in the mtns of Co.
You can get riders for things like jewelry and firearms but there isn’t really a rider for comics. You can get a rider for books in general, but all it does is increase the payout on a per pound basis. Still won’t come close to covering your loss. You can also buy specialty insurance for collectables, but unless you have a Fantastic Four #1, it isn’t worth it. Very, very expensive.
Although that was 25 years ago, I still buy insurance today and, out of neccessity, kinda understand the business. You get your butt kicked by a disaster once, you learn.
Bottom line today, you still lose your collection. Period. If its gone, its simply gone. And, unless you pay a fortune, you won’t even get the true value of your comics in a loss.