I have both a safe and insurance. I like the safe and so wish I had gotten a bigger one but its really just protection from a basic break in and/or a contractor or guest from stealing the low hanging fruit. The insurance covers my collection in case they are destroyed and need to be replaced, its bad enough to lose the cards but I at least want the value back on it. The insurance also covers mail, transport and other losses. I had cards stolen out of my truck 1.5 years ago and it was well worth it to get back the money for the stolen cards. I use CIS Insurance and have been very happy and I have done one claim.
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