The only way the cruise line would do anything for you is if the port of embarkation is affected by a hurricane.
The ship will change itineraries to avoid having the ship near any hurricanes, so you may not stop at the ports you expect to.
As to insurance... they offer you insurance, or you can buy it privately. You chose not to, and now you want the cruise line to do be your insurance? By deciding to pass on insurance you really decided to self insure.