I check all my insurance--it is my second largest expense behind mortgages.
I was pissed when people who did not get earthquake insurance here in Seattle got money from the gov't when their chimneys fell off their homes during the last quake. That's fucked. You want someone else to pay to fix your house? Buy insurance. Don't charge the taxpayers--we are not responsible for your home's upkeep.
Earthquake insurance is expensive and has huge deductibles. I don't think anyone got paid for chimmney damage - data? Rather than sinking money into a policy that will not pay to replance your house, and that you will likely never use - best bet is to just retro-fit your house. I consider that the best investment.
Mixed emotions about the fire thing - normal homeowners insurance can cover that, for relatively low costs.
http://www.fema.gov/news/newsrelease.fema?id=7059
Olympia, WA -- Federal Emergency Management Agency (FEMA) officials report today that 50 percent of the homes inspected by FEMA so far sustained chimney damage in the Nisqually Earthquake. Most of the chimney damage found is in King, Pierce and Thurston counties.
To date, of the $5.1 million provided by FEMA through its temporary disaster housing program, $3 million has been distributed to homeowners for chimney repairs. "FEMA is providing funds for essential repairs for one damaged chimney per residence," said Bill Lokey, federal coordinating officer for the earthquake recovery operations. "Funds may be made available from FEMA for work on additional chimneys that pose a safety hazard."
http://www.seattle.gov/dpd/stellent/groups/pan/@pan/@emergprep/documents/web_informational/dpds_005987.pdf
http://bssa.geoscienceworld.org/cgi/content/abstract/94/3/1143
http://64.233.169.104/search?q=cache:8zK2-lyLUr0J:crm.cr.nps.gov/archive/24-08/24-08-4.pdf+seattle+nisqually+quake+damage&hl=en&ct=clnk&cd=17&gl=us