Earthquakes Have Become More Frequent, Forcing Earthquake Insurers to Make

Earthquakes have become more frequent, forcing earthquake insurers to make larger payments to satisfy earthquake insurance claims. As a result, homeowners in earthquake-prone areas will find that earthquake insurance:

A) is easy to acquire and relatively inexpensive.
B) is very costly and relatively difficult to find.
C) premiums have not changed, since the insurance continues to offer the same coverage.
D) is relatively expensive but easy to acquire.