Earthquake insurance and preperation are laws. Buildings had to be retrofit, everything built has to pass inspection, you pay insurance, and penalties like fire insurance and numberous federal and state LAOs, there are rules, regulation, proceedures all laid out for when the big one hits. In some areas like mine, you have to know that you will be without power for at least three weeks earthquake or not. We also know that Church, organizations and people will pull together to help each other. I have a lot of insurance and not all of it is by choice, but by law. I have found personally, my best insurance is my Church.