For my own properties we choose to spend the extra money we would on insurance on seismic upgrading instead.
As a realtor, you are most likely that only about 10% of homeowners in the Bay Area have earthquake insurance. There are many reasons for that:
â€¢ Extremely high cost
â€¢ Extremely high deductible
â€¢ Most people believe FEMA would step in and provide low cost loans
Here is a post that addresses earthquakes in the Bay Area:
Earthquakes And Your Home: 5 Critical Things You Need To Understand