(Reuters) - There's a growing market for insuring fine wine as even people who had never thought to insure their liquid assets, or don't even have a cellar, discover they have a valuable commodity. "There are people who have not thought of insuring and they have been collecting for years," Yannick Daucourt, fine art specialist for XL Insurance, said. "They do it for the passion, because they like to drink the wine more than to sell it. Then, they suddenly realize that it has risen in value and they show more interest in insuring it."