Don't let lack of insurance rumble home

Do you have earthquake coverage in your homeowners policy? It's a question that's really never answered until an earthquake hits close to home.

Our bet is most people in California have earthquake insurance. We remember back in 1997 when there was an earthquake in the Little Rock community in Escambia County, Ala., that shook houses for miles and miles. Some of those houses suffered damage and several driveways were cracked. Most homeowners who had cracks in the walls of their home assumed it would be covered but they found out otherwise.

We asked an insurance agent at the time what would have...