Here’s an interesting article out of Alaska discussing whether earthquake insurance is actually worth it.
I wasn’t certain how the underwriting worked and it appears that most deductibles are a percentage of the value of your home and they only pay out for large scale disasters instead of minor earthquake
damage.
This information really makes you appreciate FEMA 
and their role in getting communities back on their feet after a natural disaster.
As always, consult with your insurance agent for more information.
Cascadia Earthquake 