'Acts of God' Insurance? And the recent viral CA Mega Quake Predictions

[Account Closed]

https://www.youtube.com/watch?v=nGz6fHdxP30

my mom called from nyc 5am pacific this morn, to ask is the huge quake hit us here in socal.. she didnt know but i threw on the laptop and went to see whats going on.. apparently a prediction's going viral based on some planetary aligment happening; a dutch dude interpreting some Nostradamus predictions into a 9.8M(!) warning for CA around today.. 

https://www.youtube.com/watch?v=tti4jIW-fk4

what's weird is the mainstream media coverage of the prediction making it so viral; perhaps they're trying to push the new San Andreas mega quake movie!?

anyways, in any event, its only a matter of time norcal and/or socal will get hit purdy badly, last year's quake (felt like a 6) around here in los angeles & orange county felt pretty darn weird, with its prolonged wavy WOBBLING movement as opposed to the more usual sharper up and down or side to side jerks.

oh and RIP nepal quake victims!

https://www.youtube.com/watch?v=TB7djsE30-s

does standard home insurance cover quakes and other 'acts of God'? or does separate policy usually have to be acquired for seismic protection? ya, time to check my individual policy with amica

[Shane Pearlman]

As an owner of multiple properties within a handful of miles from a major fault, I do the math every couple years. 

Ca Earthquake Authority offers a 15% deductible. For one duplex @ 1.1M value = 165k out of pocket before they pay anything. 

$4,600 / annual premium (the quote I got last year) * 10 year hold = $46,000. 

At this point, the damage has to exceed 200k before insurance gets involved. 

In addition FEMA may gets involved in bad quakes and helps out owners.

So then it becomes a risk to cash reserve question. so far, we have always opted out. But I can't shake the fear that one big  quake wipes out a life of wealth building. Hence my strong drive to begin buying properties in other states (Washington and now Minnesota).