carlsbadworker, I got a quote from my insurer for about $450 a year. Of course, I used your thinking and declined it, I won’t get earthquake insurance until I hit about 50% equity, witht he deductables the way they are, it’s cheaper to just go buy another house. Plus if it hits hard enough to level my place, why rebuild, you will be the only house on your street with piles of rubble on all sides