You could just get yourself some insurance and, like a good neighbor, State Farm will take care of it for you. How about this instead?

Would you rather:

1. Find the perfect home with your significant other, move in, live happily ever after.

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Or

2. Discover the hard way that your happy home is in a rockslide zone, fight over whose fault it is, break up, and spend tons of money on therapy/replacing your stuff.