On the overage kids again with the insurance issue even though it is legal to have them if the insurance only covers 5 kids then they would not be covered and a claim would be denied for being over 5. I know for years we just did it and the ryder was not number specific as it was just assumed by both parties that as long as you were operating within the law you were covered. I am mom to four so yes I get the concept of half the neighbourhood being at my house everyday and how it looked.