Should I buy earthquake insurance?

Q: I read your column on earthquake preparedness. And although I don't think our 11-year-old house needs structural changes, I was wondering if you have any advice on whether to buy earthquake insurance. We are new to the area, so we have no experience or feel for it.

A: Your question is a little far afield for our do-it-yourself column. But it's a subject we've had to consider over the years, and, as you mention, we have addressed earthquake preparedness from a structural perspective.

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