and here in Oregon we have not had major quake since 1995.. but they are predicting the mother of all quakes that will wipe out most of seattle and Portland and the coasts.. so I am with you there natural disasters are down the list.. every place has something.more people are killed in thunderstorm convective activity  IE tornado's each year than anything else..

Settling will do that, which shouldn't be much concern, some of the micro fracking quakes can cause this as well down in the south.

I would paint fascia, shutters, garage door, new gabble and post a light gray.Add black sconce light(s) by front door.Add decretive black wrought iron hardware to garage door.I would choose a craftsman style front door with six panel windows to mimic windows on house and paint it a shade of blue or red.Remove shrub and add grasses and flowers with mulch between sidewalk and house to garage door and mirror the other side for balance.

I know he doesn't have quake ins from his numbers as its expensive.

v=TB7djsE30-sdoes standard home insurance cover quakes and other 'acts of God'?

I am supposed to be putting up a new fancy wrought iron (aluminum) fence for my wife who is tired of having horse corral panels keeping the deer out of our backyard. 

Don't forget walnut panneling, spanish wrought iron light fixtures, fuzzy toilet seat covers to match the tile, hanging lamps with garden bottoms for ivy, entry planters on dividers and outside lawn art, white geese and ducks.

Think about if it makes sense to place a short fence in the parkway - maybe wrought iron - to keep them out of the parkway.

Also, only a small percentage of Californians are participating in the California Earthquake Authority program (since private insurance companies bailed after losing big money in the 1994 Northridge quake).

Something wrought iron (pointy) with a lock and maybe other deterrents like sharp shrubbery might help.Motion lights can also be a deterrent.