Earthquake damage isn’t covered. And California has relatively dry mild weather. And we are talking about a 1.5 million dollar house in Bay Area being 1000 sq

Earthquake damage isn’t covered. And California has relatively dry mild weather. And we are talking about a 1.5 million dollar house in Bay Area being 1000 sqr ft with insurance rebuild cost of 300k+. Chance of needing a rebuild are very, very, low.