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Why should I care about insurance?

I am a 22-year-old college student who has been stuck between my parents' crowded dorm room and crisp couches for several years.

I have one year left to graduate, but the future is clear: I will pay back student loans until I am in my forties, and I will most likely rent a house without buying it for the next decade or so. You can search more information about title insurance quote through

Why should I care about insurance?

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I am not a pessimistic person. Just be realistic.

What I want to know is: why would a young person in my situation (i.e. a struggling student) need to worry about property insurance when it seems that the concern is being passed on to someone who is older, or at least older? Financially guaranteed by us?

I know property insurance is important. That's pretty self-explanatory. I saw this ad when a man lost his house. It's sad. I changed channels.

My old friends (older ones who started paying their bills and planning for their future) recently made a little mistake with property insurance information in my ears. I tried to ignore them, but they were very stubborn.

You cannot understand my neglect of something so importants property insurance. You can't understand why I am so frustrated and carefree.

I tell them it's not because I don't worry about property insurance. It's just that property insurance is not my concern. I know that about property insurance. And don't worry; I don't know much so it's going to be a really short paragraph.