Does anybody have earthquake insurance?

[coppercoin40]

I agree that insurance is a scam. If you have an incident that the insurance has to pay out on, they recollect their payout by raising your insurance rates. If you do purchase insurance and at some point have a pay out for earthquake damage, I think the best thing you could do is to cancel the insurance as soon as the payout is received to prevent having to pay back through raised rates. Although I am not sure if this would affect the next chosen insurance company rate. Paying insurance is like paying for the opportunity of a chance future loan that then will paid back after receiving it at an increased rate.