expression, ichidan verb
insure (something)
Literal meaning: to take out an insurance policy on something. Used with objects like 車, 家, 生命, etc.
新車に保険をかけるのを忘れないでください。
Don't forget to insure your new car.
家に火災保険をかけている。
I have fire insurance on my house.
expression, ichidan verb
hedge one's bets; play it safe; have a backup plan
Idiomatic use: to take precautions or prepare a fallback in case something goes wrong. Often used in business, planning, or personal decisions.
試験に落ちたときのために、別の大学にも保険をかけておいた。
I hedged my bets by applying to another university in case I failed the exam.
彼はいつも保険をかけるような言い方をする。
He always speaks in a way that plays it safe.