I've been thinking alot about such things lately as well, as a result of 101's incident. In the back of my mind I've even considered putting a pause on riding for a while - until the kid(s) are a little older.
Currently, we both have adequate coverage to pay off all debts and put some money in bank for long term needs, for the other person. We're maxed out on the coverage made available by our employers; Im' going to be looking into augmenting the coverage through our Allstate, our current home/auto insurer.
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