I'm not sure on the details of insuring a smile. Are you only insuring the smile, not your whole mouth in general? Let's say your mouth is damaged while you were frowning. Would the insurance cover that or does it only cover smiling related injuries? You'd have to be worried about breaking bad news to Julia Roberts too. You don't want to be liable for damages when her smile turns into a frown.
I bring up these questions because it seems ridiculous to me. Her smile is reportedly insured for $30 million. It feels like some of these people have so much money that they are just finding ways to spend it. It's a ridiculous expenditure. I think that, then I see Julia Roberts smile and I forget about all my woes. She may have a point.