Not sure I understand the whole "insurance" thing.
Okay, first. Nice of Dad to be open to the idea that he might be old-fashioned. I'd say it's pretty logical to try out living together before jumping into marriage.
That said, what's the insurance? If they buy a house and split up, it's economic disaster.
@dudewithmagic If only more authors realized that you can, in fact, create a story without fucking Drama.
And it's not that this manga doesn't have any. But the conflicts it raises are logical, straightforward and solved in a timely manner.