Most college students have never had to protect themselves from disaster being recently on their own and out of the parents household. In insurance student housing is very important, to protect these young people when they may not even know they are at risk. There are many risk factors for insurance student housing. Risk factors include, but are not limited to; recreational alcohol use, house parties, smoking cigarettes and other substances, and lack of basic knowledge about living on their own. College is a time to not only to learn academics, but to learn about and experience life! In insurance student housing is a good target area to educate young people about the dangers of fire, earthquakes, hurricanes, and ect. I would like to see more young people educated on these issues to avoid disasters, such as an electrical fire where I lost a friend forever.