Is it worth getting earthquake insurance in California?

Get an honest opinion on whether or not it's worth getting earthquake insurance for your home, especially if you live in California.
Most earthquake insurance policies have a very high deductible with very low amount of coverage for loss of use and personal property. The policy has very, very little coverage for contents - things that break or get damaged from an earthquake, like the TV, electronics, furniture, etc. My own home is covered for $750,000. Deductible is $112,500 (15%). This means I have to have over $112,500 in damages for the insurance to even kick in. What I’m paying for (as expensive as it is) is peace of mind more than anything else - knowing I’m doing the right thing by getting protection for thousands of dollars in case of a disaster. I share my example and information in the video to help you make your decision.
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Read this helpful article on earthquake insurance:
3 Reasons Why I Have Earthquake Insurance for My Home in CA
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[@Darkrai4294]

Hi Dr. Hernandez. What are your thoughts on Mortgage Protection Insurance? At first I thought it was the same as a Private Mortgage Insurance, but after understanding the difference, I asked my coworkers on their thoughts. None have it and all advised against it.

[@efficiencyandorganization]

Yes, there are 2 things; Mortgage Protection Insurance which is part of life insurance and PMI which is Private Mortgage Insurance. I would not get either one. Instead of Mortgage Protection Insurance I just have a regular life insurance policy with enough coverage in it to pay off the home in case I pass away. The amount that my beneficiaries get will be one lump sum and they can decide what to pay for and what not to pay for. For PMI, it's not even something we choose to get - it's forced upon us when we purchase homes with loans that are more than 80% of the value of the home. In other words, if you buy a home for $500,000 you should only get a loan for 80%, or $400,000. If you have to get more than that, the mortgage company protects ITSELF by getting PMI and making YOU pay for it. The sooner that goes away (refinanced or negotiated out if value of the home has increased) the better.