Insurance rates in California

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Hi BP!

I'm comparing insurance quotes right now for an owner-occupied duplex in Sacramento. All the quotes default with no flood or earthquake insurance. 

For my CA people, do you carry earthquake coverage? Why or why not?

Also, I'm being quoted right around $1,100 yr for a place built in 1991 with liability of $300,000, and a $1,000 deductible (personal property $200k). I do not want to increase my liability coverage at this point. Do you think I can beat that $1,100/yr number?