Ahh... figured out my miscalculation... RENTERS insurance for earthquake is very inexpensive, I didn't factor in that you'd need OWNER (ie: structure) insurance

Ahh... figured out my miscalculation... RENTERS insurance for earthquake is very inexpensive, I didn't factor in that you'd need OWNER (ie: structure) insurance. The estimates for contracting work (seismic reinforcement) seem ludicrously low to me, but I don't have any basis for that opinion as I've not had to work with contractors here in the Bay Area. I just find it hard to believe that doing major structural reinforcements to your home would be in the $20k range.