My homeowners policy premium increased by 25% this year. I’ve never filed a claim. Inflation is minuscule. Nothing has changed. This seems ridiculous. Now, I do have earthquake coverage. This is the Cascadia Subduction Zone, said to be high-risk for a major earthquake. Earthquake coverage is very expensive and has a very high deductible, meaning there would have to be several tens of thousands of dollars in earthquake damage to the structure to even file a claim. If I dump earthquake coverage, and bundle with my auto policy, I can cut the annual h.o. premium by 60%, with slightly higher coverage limits too. As usual I turn to the bassist community for advice.