Note of the Living Deb

So, we do live in California, smack dab in the middle of the San Andreas fault zone. Our house wasn't *quite* a million dollars, but we still didn't spring for the earthquake insurance. Not only is it very high deductible, but it doesn't cover all earthquake damage. Most damage doesn't come from the earthquake itself, because houses here are designed and built to withstand a little shaking with only minor problems. The expensive damage is caused by results of an earthquake, rather than the quake itself, water damage from broken pipelines, fire damage from broken gaslines, etc, and that is all excluded from earthquake coverage. Crazy but true! So, if our house falls down in the "big one" we're screwed, but we decided to take the risk.