I think what you need first is an appraisal. Since the gallery that sold them are not longer lawfully able to reappraise the artwork they've sold, an independent appraiser listed with the American Society of Appraisers may be in order:
http://www.appraisers.org/join/ At least you can insure them for the present value rather than the value of the original sales receipt.
Artists dying do not often increase the value of their work. That's the Van Gogh scenario, where an artist hasn't sold his work and when he has sold it was for very little (only one Van Gogh sold during his lifetime). Today, it's a long wait before there is any intrinsic increase to the value of the work. A sharp art salesman might try to convince someone (when Warhol died, there was a brief run on his more commercial limited editions but nothing happened to his market until many years later), but that is a sales approach in order to gain a commission. Actually, Robert Rauschenburg's work, as an example, has increased so much while he is still alive it prompted him to state that he couldn't afford to buy back any of his paintings. It's all marketing and only an accredited appraiser can actually give one a document that states the work is worth X amount of dollars.
I wouldn't hesitate to use the Windsor & Newton cleaner as it is extremely unobtrusive. It will take off only the surface soil without attacking the oils.
If the appraiser were to value the work in the tens of thousands, I would think it would be worth getting perhaps a better conservation cleaning done by a professional. The bill for one work of art such as you've described for appraisal and cleaning could easily be $1,000 to $1,500.
Otherwise, leave them dirty.