Quote:
Originally Posted by drainoil
Despite the lower heating/cooling costs that earth sheltered homes may have, those savings could be offset somewhat by insurance coverage. In a conversation with my insurance agent the other day, he said he thinks the policy would cost more due to possible roof cave ins, etc, and he has never insured an earth sheltered home after being in the insurance business for almost 30 years. Thought that was interesting.
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Probably because they don't have (a lot of?) actuarial data they have to guess and then add a premium to cover the uncertainty.
I would think that in tornado prone areas there would be lower risk of destruction with an earth sheltered home though.