I have no reason to insure what my spouse & kid don't need. I canceled all of my life insurance the day I started drawing a pension. We have enough assets and she'll eventually have her own pension, so we signed away each other's survivor benefits.
We have homeowner's, landlord's, and umbrella liability insurance. We have vehicle liability insurance but we don't even carry collision/comprehensive insurance.
At the suggestion of a lawyer who'd seen an unfortunate incident, we carry UIM/UM car insurance just in case our kid is disabled for life by a UIM/UM driver. When she's off our policy then we'll revert to just liability.
I don't carry dental insurance either.