Cathryn,

I can handle the deductable. Many people cannot. In a way, I am predicting a large quake here. If it goes over 6.5Mw in the next 20 years, I will have at least double or triple that amount in damage. This house has a fireplace, brick.
Replacement about 10 to 20 thousand. Sheet rock damage and taping, about 5 to 8 thousand. I would have to have a certified electrician look at all the wiring. Good bye hot water heater. More importantly, any structural damage to framing would have to be fixed. Unknown how much that would be. This house sits on a concrete slab. That gets badly cracked, no resale value. If the roof shifts, the composition roofing is gone. Windows. Doors. On and on. I'll hedge my prediction though. I say it will be bigger than 6.5 Mw. Coachella rupture will total the place.

The Coachella or Anza possibilities bug me the most, Coachella the worst of the two, I believe. Being perched on the eastern side of the PR Batholith does not help matters. This particular property is in granitics, but has a basement of tilted schists, which are striatified, at about 80 degrees dip, with a north to south direction. I think we would be in the decompression segment of the focal mechanism, which would mean heavy fracturing across the basement medium. Using Borrego Mountain (1968) as a model, I can expect heavy damage due to Coachella.
20 year prediction? Yep...

Glen