Porn Insurance are features that help hide evidence of looking at pornography. Places such as Google Chrome have many features like this such as deleting your history at the click of a button, incognito tabs, and various other things. Porn insurance may seem like useless features to normal people, and a safety button for vigorous fappers.
Guy1: My mom came into my room while I was looking at porn.
Guy2: Oh shit, did she see you fapping?
Guy1: No man, my beef stick wasn't out, thank god. But she wanted to use my laptop and I didn't have time to delete my history, she saw my porn in related searches.
Guy3: That's why I put porn insurance on my computer.