So who the heck is someone that sells quake insurance and doesn't go thru the CEA? And has reasonable deductables and coverage? And isn't something like 2000-3000 a year?

About the only thing the CEA can cover is absolute destruction of property due to the shaking and even then you're not covered for any personal property (hardly) - I've been told its much better to just put it in a savings account or some other investment.

Canie