Some heroes have effective enough powers that they can live comfortably by totally avoiding any insurance issues.

Big, flashy powers and super strength work well on paper until you take in how you could ruin someone's home that they've spent their lives working on and ultimately end their peaceful lives.

Heroes are meant to protect people. Guidelines like that help protect people from physical, emotional and financial harm.

[The more you know.... so, you can sleep peacefully due to boredom.]