In fact, the best insurance against drive failure is a backup (image even better), and the next best is a drive that has been running fine for six months or more. There is a high rate of failure in new drives. After that shakedown cruise period that weeds out the drives with defects of construction, the failure rate levels off.
If you have backups, and want to spend the money on insurance you could buy a new drive and put it on the shelf. Old drive (any of your three) fails, you can swap in the new drive, restore the failed drive image and be back to normal running in a half hour.
Given that drive prices tend to fall over time, the drive on a shelf will probably cost you more than waiting to buy one when one of your drives fail. But if you have to pay top retail at a local shop to do a quick replacement, you will probably do better buying one on sale and on line before the failure occurs (if it ever does before you scrap the machine).
https://www.usenix.org/legacy/events/fast07/tech/schroeder/schroeder.pdf