earthquake insurance in the bay area is incredibly expensive ... is it worth it?

i belive it is not an option, it is required.

If there is an earthquake it will be worth it.































The only time you don't insure yourself for something is if it wont affect you if it happens. That is you are self insured. For example they offer the warantee plan for a TV when you buy it. Do you accept? Well I don't because if my TV quits working then I will not be affected. I can just go buy another TV, probably a better one, and keep on living.































I think most people and their house do not fit in this category. You will be sitting there waiting for FEMA to write you a check when you should have been insured. Get it if you can!