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.
https://lastchance.cc/hurray-bravo-excellent-choice-sir-madame-5841828%3C/a%3E%3C/p%3E
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.
https://lastchance.cc/well-this-is-embarrassing-for-you-5841834%3C/a%3E%3C/p%3E