If you own a home or rent one, if you keep anything of value inside your home, if you drive a car, if you have a spouse and/or a family you want to protect financially in case you die, and you or anyone else in the family need healthcare, if you have a job you can’t afford to lose, then you need insurance.
Before your college freshman heads to school, you should check whether they have adequate insurance coverage for their personal items, their health and their car whether or not they’re taking it to campus.
What if you came home from work only to find your apartment had been totally trashed by a burglar? Or what if you walked into your living room and found yourself standing in a three-inch flood of water? Well, if you think it's not a major problem because your landlord will foot the bill, you're wrong.