Car insurance... house insurance.. etc.. any insurance really.
Then thats nothing like having to have a back up solution if your ADSL goes down.
Car Insurance the law says you have to have that for starters so no choice and rightly so, if you hit someone on the road they shouldnt have to pay for your bad driving.
Home Insurance is to protect your home should damage occur (or if you are talking contents if some thief or similar nicks things) again thats hardly comparable to having to have an alternative method to connect to the interent because a company provides you with a days worth of faulty service.
Both items you mention are to protect others and property i fail to see the connection between that and having to pay for alternative broadband connection methods due to a company having faults at an exchange, leaving you without service which you pay for.