I'm starting to think about ditching earthquake insurance. I'm in a modern home, so I'm not making much of a claim if there's a smallish earthquake. But if th

I'm starting to think about ditching earthquake insurance. I'm in a modern home, so I'm not making much of a claim if there's a smallish earthquake. But if there's a big one, I assume the insurance company will just go under, leaving me out the premiums and with no recourse.