If my house crumbles from an earthquake and that's not covered in my policy, then what? I guess we'd better socialize home owners insurance also.
Just so you know, earthquake is typically excluded from your standard home insurance policy. You have to purchase that coverage, at least in Nebraska you do. It's weird, each state has different insurance departments that allow companies to create their own guidelines. Nothing really standardized nationally.
flood damage is also a separate coverage and much more likely to hit people.