As a single homeowner until I was 54, my answer is hell, no, you don't need it.
However, I once did a real estate deal with a partner who insisted I buy insurance to protect him in case I bought the farm.
Internet research turned up an un-heard of company called WAEPA that sold dirt-cheap Term Life Insurance, which is the only mustachian way to go. It's for the benefit of Veterans and their families. A couple of hoops (Thanks, dad.) and I was good to go. IIRC, it was only a couple hundred bucks a year and there may have been an annual rebate involved.
I kept the insurance for about six or seven years. Then my business partner (just on this one deal) died. In his will, he forgave the remaining balance that was owed (Wow!) and I promptly cancelled the insurance.
One more thing: I felt the same way you did about protecting my family and made them my beneficiaries. Fast forward twenty years. I'm finally married, wealthy beyond my wildest expectation (thanks to Pete, Jacob, J.D, et al) and there is a shit storm surrounding my parent's modest estate. I'm the bad guy for insisting that my parent's will and trust be enforced as written, without creative interpretation. As a result, I am simply going to leave them much less of my estate and my husband, friends and favorite charities will get more. I'm aware this might sound bitter, but it's not really, because I (luckily) don't need the benefit of this bequest the way some other siblings do.
Tl:Dr - Over time, things will change. Do not lock yourself into expensive insurance. At most, buy a small, cheap, term life insurance policy.