Here in New Zealand homes are not required to be insured, but all home insurance plans are required to pass on a levy to the government, which will cover the fi

Here in New Zealand homes are not required to be insured, but all home insurance plans are required to pass on a levy to the government, which will cover the first $150,000 worth of earthquake damage. Insurers are only liable for an amount more than that, which the average home is unlikely to exceed given our building standards. If your home is not insured (with a private insurer) the government says they will not help you financially after an earthquake. California could do the same, but I suspect there would be protests from people living in low fire zones, while here in NZ pretty much everywhere is at risk of earthquakes.