Do you have earthquake insurance?! Californians?.......

Question

I tried to get it, but was told my hilly cave home had no infrastructure, and they wouldn't insure a mound of dirt with holes dug in....what friggin' elitists! Now I come home to my hillside collapsed, AND burnt by fire, with nothing but a sprunglewidget sticking out the side..well my jaw dropped!..and my love offering bouquet of hilly grasses and wildflowers fell out of my mouth and scattered everywhere....it's enough to make me want to turn on my furry paw and go straight back to the Bahamas! I don't blame POW, but Mother Nature is a bad, mad mamajammer! Guess I'll rebuild .....there's no place like( burnt out half collapsed hilly cave) HOME, is there?

note: Since this ends with a question mark, it does not at all constitute 'chatting'...it represents a serious, sincere inquiry which can be answered on multiple levels...thank you.....

Answer 1

Insurance companies assess "risk..."

They calculate with a very strict mathematical formula, the "risk" of taking on a certain client...

It may not even be the property...it could be they base their decision on the "owner" of the property...

Answer 2

I do have earthquke insurance because the foundations usually go as well.     Well in New Zealand they do.

Answer 3

I know that when we lived on beach front property on the East Coast, flood insurance could not be purchased...for any price.

Poor PoW - the Cali disasters sent him back to his planet....in his embryonic sack.

Welcome home Pika Chew...let us know if we can be of help in restoring your hilly cave.

Answer 4

Poor Pika chew if you like you can come live in my dank stinky tunnel it needs some bouquets of wildflowers to brighten up the place, until you've had the builders in to repair yours of course.  

Answer 5

You can always come and live here in Berlin, the only problem is Germany gets completely destroyed from time to time.

Answer 6

So sorry about your holey hovel.

No, I don't have earthquake insurance. Too expensive.  I do have my house bolted to the foundation.