If you live in a humid and wet country like I do (South East Asia), dry boxes are crucial to help stave off fungus growth. I use an electric dry box—the brand is Samurai, but honestly most dry box brands around my country seem to be rebranded Chinese OEMs so as long as it works it shouldn’t matter. It’s good habit to keep your cameras and lenses dry and making sure they’re dry before storing them away.
I’m a professional photographer but I don’t have insurance for my photography equipments because of the small insurance market for freelancers in my country. The cost of the insurance would be disproportional to the costs of my equipments. But if I have those $10k+ lenses, then it might start to make sense for me to look into it. Some home insurances might cover theft/fire/flood damage to your belongings, but read the fine prints.