Why not sell your coins and paid them with fiat instead? I'm not sure how the law certainty on US is but I'd avoid any new company claiming they provide insurance with bitcoin. The chance of getting scammed is higher than ever.
Selling Bitcoin for fiat is choice only if there is no way to pay for insurance directly in Bitcoin. Maybe OP want to spend his Bitcoins directly. Otherwise he would have to pay some extra fees - Bitcoin transaction fees, exchange trade and withdrawal fees.
I haven't checked any of websites posted above, but if OP planning to use it, he must make serious research before it if he don't want to get scammed.