Actually, the contents of a safety deposit box are not insured. The bank has no way of knowing what's in there so if there is a robbery (that does happen) you're up the creek unless you have the stuff insured separately (ex: home insurance). Also, the last time we rented a box we were assured that it was high enough so a flood wouldn't affect the contents. Never occurred to me that the bank could be flooded and the boxes also flooded.
We had one for years, but this year decided it wasn't worth the expense. We have a fireproof/waterproof (they say?) chest at home and that's good enough for us. For security, there's always the large, ferocious looking dog :)
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Ah yeah, I guess that makes sense. I think some of our more important stuff we have insured separately. Again, we don't really have that much of value though.