Looking at getting IP insurance at the moment - but was surprised by the cost. Quote through super was about $100/month, for roughly 5k worth after 30 days, indefinitely. Another quite $35/mth for same amount, 90 day way, but only 2 years. Not sure what to do though - 100/mth seems excessive with only 400k debt (atm) and no kids. Was thinking going the cheap option until kids come along, and then re-think it, but keen to hear others' thoughts. Do you have IP insurance? How long does it last and when does it kick in?