Your homeowner’s or renter’s insurance won’t help much after an earthquake and here’s why – WRCB-TV

The magnitude-6.4 quake, which caused damage in some cities, was centered near Ridgecrest, about 150 miles north of Los Angeles. In a state especially prone to tremors, only 13% of homeowners have earthquake insurance, according to the California Department of Insurance. Others who have renter’s or homeowner’s insurance mistakenly believe they’re covered for earthquakes.