Same prepositions for "insured" and "insurance"?

[Nordic Bill]

Is it a toss-up between for and against in these two sentences?

We're insured ________ that sort of thing.

We have insurance _______ that sort of thing.

The kind of insurance I am referring to is the 'standard' kind (that you take out at Mutual of Omaha)!

[Casiopea]

Hmm. This is the rule I go by,

If insur- refers to a monetary amount, use 'for'. (at the price of)

If insur- refers to something terrible happening, use 'against'. (protection)

[Nordic Bill]

Good rule of thumb. Thanks!