For 853 a year I would want my entire collection insured and able to keep it at my house and possibly even cover books during transit. The state farm or similar option sounds great. Every 10 years you pay insurance on one book you could buy a ten grand comic.
I like to gamble. No insurance here. Insurance companies make a lot of money. Why because people pay for something they never use. You are fine with keeping book in bank safety box. What are the odds the bank burns down or boxes get robbed? Great enough to pay for that insurance? Now if you let people know about your valuables, use space heaters, live in flood area, smoke in bed, or ship media mail then you need insurance. At least try to get a better deal. Your insurance sounds like the worst thing ever. You buy it from the talking lizard or what.