I have lived in Los Angeles my whole life, so earthquakes are a reality here too. We have earthquake insurance through california earthquake authority (it attac

I have lived in Los Angeles my whole life, so earthquakes are a reality here too. We have earthquake insurance through california earthquake authority (it attaches to your homeowners policy) for under $1000 a year. It covers 80% of the structure, $25k of personal property, and loss of use. Remember that the house itself is very cheap, it's the land that's valuable.