Hi Isabela, earthquake is a completely separate insurance and not required for purchasing a home. However, I would look into the premium for peace of mind, but they are typically higher than your normal property insurance. I live by two faults in the Bay Area, I personally do not have Earthquake insurance, but I do have a "side-account" in case I have damage from an event. Single story wood frame construction, depending on the age of the house, performs fairly well in earthquakes. Ask your property inspector to verbally provide his opinion about the house in this regard. The website provided has a number of publications on how to properly prepare a home for an earthquake, you can use this to determine how â€œearthquake proofâ€ the house is that you are considering.