And living in a cave deep underground would be insurance against getting hit by a meteor.
I suppose I should walk around in a kevlar vest all day just in case, you know...
I suppose I should get bulletproof armor and glass for my car, just in case, you know. It would be there if I need it.
I should never walk down sidewalks in high rise districts in case a piano falls from an upper floor. Best to be prepared.
If you were that concerned about your well-being to take such measures as these, please consider whether a better place to start would be to less often pretend that you know what is best for everyone else. Some people like to make decisions for themselves rather than have them made for them, even if you really do think it is for their own good.
One ought to take utmost care when using the awesome power of THE LAW against our fellow humans. That power, which the state holds, has the power to impoverish, to expose, to mute, to indefinitely detain, to torture, to slay and to wage war; ought be kept in reserve whenever possible. It is too easy to be wrong, and too hard to undo.