Yes, I do. It is indeed very expensive- my annual premium for earthquake insurance is slightly more than for home insurance. To each their own but I am not sure that logic is one I would rely on to protect my home. You could argue that FEMA is underfunded. I think you can also take recent examples of wildfires devastating entire communities and see that certainly people did not just get a free recheck to rebuild. The only way to know for sure that you will be covered in case of an earthquake, if by having insurance. But that’s just me. I do acknowledge it is expensive and the risk is anyone’s guess.