Earthquake / flood insurance in so cal?

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Question for fellow so cal property owners!

What are your thoughts on acquiring earthquake and/or flood insurance?  Have you purchased this in the past for any of your properties and do you now?  If not, why?


Flood insurance is important and I have a whole post about potential ways of reducing premiums. I can put you in touch with a team that is VERY good if you would like. Below is a link to my post.

https://www.biggerpockets.com/forums/61/topics/364937-reducing-flood-insurance-costs?page=1#p2316931