Abstract: We all like to think that our most deeply held beliefs—about morality, politics, justice, and society—are based on good reasons. But often, they are not. Worse, we may not even be able to tell: motivated reasoning, echo chambers, misinformation, upbringing, and ideology shape our thinking without our awareness, putting us at risk of holding beliefs that feel well-founded but aren’t. In this paper, I explore how we ought to respond to epistemic risk: the risk that, unbeknownst to us, we are in a bad epistemic position. I argue that, just as we ought to buy insurance to protect ourselves against various risks, we should adopt epistemic insurance policies—practices that safeguard us from error in case we are, in fact, getting things wrong. These might include double-checking our reasoning, diversifying our sources, and revising our views in light of disagreement. Although taking out these policies might carry certain costs, I argue that these costs are worthwhile, given the high moral and political stakes of error.