We need to know if the house has been bolted to its foundation? Insurance companies must offer earthquake insurance at binding and every two years. It does not matter if you want to purchase or not. Also we need to know the address to determine the earthquake zone which will determine if a gas shut off valve may be acceptable if the property is not bolted. This is more of a primary issue than the secondary issue of updates to electrical and plumbing and heating..... you can email the address at brennankathy@msn.com. If u are not insured right now.. go to california Fair Plan.... no water damage and no liability but U need some ocverage. calculate 175 per sq foot minimum....... more