Should stay at home moms have disability insurance to cover the cost of childcare and housekeeping should she be unable to perform these tasks because of a disability?

Stay at home moms don't get the recognition they deserve. Although all of these tasks are quite important, and it would cost plenty to hire a replacement, you may find it difficult to find an insurer to write such a policy.

Most insurers will replace a percentage of income. If your income is zero ...