Then, if an earthquake does hit- there is usually a 10 percent deductible. That is a tough decision. We don't have it. My husband has looked at hundreds of earthquake damaged homes. The homes that are most at risk are those made of brick.
Wooden homes seem to ride out the quakes better, as well as homes with basements.
Some houses are bolted into their foundation. Unless your garage has been finished off, you can usually tell by checking the foundation there. If you find your home just setting on the foundation without being anchored to it- consult your local hardware store for the best way to secure it. Gas leaks are one of the most dangerous aftermaths of earthquakes. We have been told to keep a wrench handy, and know where to turn off the gas at the street, as well as turning the gas off at the furnace and the water heater.