The fact of the matter is having a home (and therefore homeowners insurance)is optional. Renters are not required to have insurance and if you own your home outright, you are not required to have insurance. Having a car (and therefore having auto insurance)is optional. Having a body is not.The fact of the matter, is that there are laws that require you to insure a home if it has a mortgage loan against it.
Leave it to the taco slinging short bus rider to not get it.