[jacobwcarlson]

There is no cost-effective way to get residential earthquake insurance in the Bay Area.

[goseeastarwar]

To inject numbers into the discussion: my homeowners insurance is $965 and earthquake is $1220. More than doubling the yearly bill to be sure, but it's easy to justify given bay area real estate prices.

[grandalf]

Is your home worth between $1 and $1.5M ?

[pmoriarty]

I wonder if there's an indirect way to get cheaper earthquake insurance, by investing in industries or companies that would benefit from an earthquake, or maybe by taking bets in a prediction market.

[grandalf]

Ahh, ok, so that means the prices likely do reflect the probability accurately...