In reply to An Triubhas:
> Who out of the house owners has life insurance?
>
> Recommend me a good one that is cheap but respectable.
I went with Aviva. I didn't go for anything specialist, because I don't climb that much. I got the impression that they didn't much care about anything below VS (useful, I've never lead higher than that). Once I changed my answer to "How high" `(it means "Length of climb", not "altitude") the quote became reasonable.
Oh, and I got it because I have kids, not because I have a house!