Rihanna had her legs insured for $1 million because her legs are the main body part she is focused on. She works with a trainer to keep her arms looking feminine and her rear end looking good. In 2007 Rihanna was bestowed the “Legs Of A Goddess Award,” by Gilette and was given a $1 million insurance policy to protect her legs.
Keith Richards insured his hands for $1.6 million, fearing his career could suffer for it if he didn’t. He was worried that if something happened to his middle finger specifically he would no longer be able to play guitar or perform a certain rude gesture with his hand.