Tell it, Wild Bill
This is a very solid consideration. I relatively sure that any of my readers have a little sumpin’ sumpin’ handy, but you may want to spread this to others you know who don’t:
There are a large number of them available at quite reasonable prices, and the reasonable prices thing doesn’t even have to be in quotes. Then again, what is your life worth? You can spend anywhere from around $100 to over $1,000, and those less expensive ones will do the job. Up to you how much you want to invest for this little piece of insurance. And insurance is what it is. If you never have to use it, it wasn’t that much to buy, and if you ever do have to use it you will be extremely glad you have it.