I’m not sure I see the point in high deductible earthquake insurance in So Cal. In a strong earthquake most woodframe houses will be fine with minor damage such as broken windows, cracks in the plaster, etc. Al stuff that wouldn’t make it worth the deductible. If we truly did get the big one that causes hundreds on billions of dollars of damage in SoCal the insurance companies wouldn’t have the reserves to pay the claims anyways. Take the $1000 and put it in house maintenance fund. If an earthquake breaks a few windows you’ll have the money to pay for it.