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Earthquake insurance isn't mandatory in California, but you might be risking irreparable damage if you skip it.

You can get a replacement cost estimate through your insurance company, a contractor, or by doing it yourself.

Loss of use covers increased living expenses or loss of rental income if your home needs to be repaired.

Homeowners insurance usually covers basement flooding caused by burst pipes or broken appliances but not sewage problems or natural disasters.

People told Laura Grace Tarpley to negotiate with the seller on the listing price or cost of repairs, but she didn't have leverage in a hot market.