Holly Madison protects her assets

It must have happened like this: Gripped with Lalaland Angst on a long, sleepless night, Holly Madison began wondering what would happen if the extraordinary talents which propelled her from Astoria, Oregon, into the arms of Hugh Hefner and the lovely couches in the Playboy Mansion and beyond to her very own reality show, Holly's World, were to disappear?

Horrible thought, no? So Holly, 31, did what any of us would do: She took out insurance on her most valuable tools of the trade, her breasts. For $1 million. (Seems low, frankly.)

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Model Holly Madison poses on the press line at the Hollywood Life 5th Annual Hollywood Style Awards in Los Angeles last October. (Dan Steinberg, Associated Press)

It's a wise move, considering that she's no longer dating her sugar daddy, Hef.

"I've heard about people getting body parts insured and I thought, 'Why not?', because if anything happened to my boobs, I'd be out for a few months and I'd probably be out a million dollars," Holly tells People.

“I thought I'd cover my assets.”

Watch Holly discuss the tragic events that led to her losing Hugh as a boyfriend: