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Now in 993 land ...
Join Date: Mar 2003
Location: L.A.-> SF Bay Area
Posts: 14,892
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This is why most people don't have it. The deductibles are huge. You would have to pay for a fallen chimney or a twisted frame yourself. If you have a single story wooden structure, what would have to happen to give you damage beyond the deductible? ....... Fire! And that is of course covered by your fire insurance.
As a final note, here in CA the house isn't the most expensive thing anyway. The lot usually is, unless you have some mansion.
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97 993
81 SC (sold)
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