Do any of you have earthquake insurance as part of renters insurance? It increases the cost of renters insurance by like 30%, so it is hard to tell if it is a gouge or if there is a bigger risk than I appreciate. I am new to the area and have never experienced an earthquake, but I doubt another 1906 is likely in the next few years.

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Yes I have it. The cost is worth the peace of mind to me.

Try to do some research into your specific block / neighborhood, e.g. the Marina is all groundfill because it liquefied during the 1906 quake, so I would definitely get earthquake insurance if you live there. Russian Hill on the other hand has several hills made of solid rock where earthquake insurance is probably overkill.

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