F'real?
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.
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.