[sammyg2]

If the big one hits down here and is bad enough to damage my house above the deductible, there won't be an insurance company anywhere near here still in biddness.
Even if there were, the place would be too much of a mess for a decade to rebuild.
And there won't be anyone trustworthy to rebuild it, they'll all be busy making 10 times as much as normal.

Nope, if the big one takes out my house (and I ain't underneath it) I'll move somewhere else.