When I recently raided the agreed value for my 911 I was talking to my agent. The same company insures my cars and my house. He said earthquake has the high deductible mentioned above but it is fairly cheap around here. The 5.6 quake we had in 2011 did zero damage to my house except it knocked some of the plastic bottles of oil I had on a shelf in my garage off the shelf.
https://en.wikipedia.org/wiki/2011_Oklahoma_earthquake
The house in the photo with the collapsed chimney is not too far from my house.
In the end, we do have tornado or windstorm damage coverage and of course fire and regular coverage. No earthquake coverage. We live on top of a hill and there are no rivers close by so no flood insurance either.