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It all depends. Many people I know actually cheap out on the extra "earthquake" coverage. And if the big one hits, you can bet the insurance company would go out of their ways to deny anyone without the quake coverage even if the whole land disappears.
The quake coverage isn't much extra IIRC. But I think out of all the people I know, I'm the only 2 that actually have that coverage.
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Nothing for now
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