Fire and Earthquake insurance costs = am I about to get ripped off?

Bank's attached insurance company offered me fire+earthquake insurance which I agreed to look at.

They quoted me between ¥133,760 and ¥148,200 per year. Just did some reading here in Reddit and online. These seem quite expensive..? One guy on here said he gets fire and earthquake for 60,000 per year.

Any experiences on this particular topic? I've got a few days to decide then I have to give them an answer.

Thanks so much,

by musashigaoka

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