North a bit but we do have earthquake insurance since we have a three story chimney. I met a man this weekend from California. He said that they do not have private earthquake insurance any longer. It’s all controlled by the state and there is a $20K deductible.
It’s more than 20k, it’s like 10% of the value of the home, and there are lots of exclusions. We are in Cali also and don’t have it.