If a real earthquake were to hit today, most Californians wouldn't be covered, but new options will make earthquake insurance more affordable, even for renters.
Safe-T-Proof set up an earthquake simulator in Sorrento Valley Thursday to let people experience how powerful an 8.4-magnitude earthquake is and the damage it can cause.
According to the California Earthquake Authority, only 20 percent of homeowners and renters in San Diego have earthquake insurance.
North Park resident Claudia Gallant is among the minority. She said for her, it was a no-brainer.
"You want to protect what you have, and you want to make sure it's a stable home from the foundation up," Gallant said.
The CEA recently cut earthquake insurance rates 10 percent statewide. They also rolled out new options allowing people in homes, condos, rentals or mobile homes to seek affordable coverage.
The website allows people to enter their address and the value of their home, and it then gives an estimate. Homeowners can change their coverage options to fit their budget.
People who rent can also choose a plan to cover their belongings and expenses if they need temporary housing.
Michael Essrig with Safe-T-Proof said earthquake insurance came in handy for him during the 1994 Northridge quake.
He uses the simulator to encourage both residents and businesses to get prepared.
"People who are afraid are people that are not prepared. If they would just take the proper steps and prepare they can save a life," Essrig said.
Insurance costs are based on the proximity to a fault and the age of a home.