Should I buy earthquake insurance? The cost/benefit analysis.

“Take calculated risks. That is quite different from being rash.” â€" General George S. Patton Newport Beach had an earthquake two weeks ago. It was minor at a magnitude 3.1, but we still felt the jolt for two seconds. Being from the Midwest, tornados were always a big fear when it comes natural disasters. Show me gray-green skies during a summer thunderstorm in northern Ohio and I’m bolting for the basement. But for some reason, earthquakes have never really bothered me living in California fo