If you a home in California, Oregon, or Washington, you likely need earthquake insurance. Here’s why: The U.S. Geological Survey is the most reliable and authoritative source on earthquake risk in the United States, and the USGS indicates that California, Oregon, and Washington is at high risk of experiencing a devastating earthquake.  Your standard Homeowners insurance policy does not provide coverage for earthquake damage.  You are relying on your growing home equity to fund your retirement, and can’t afford to experience a total loss that is not insured.