HAHA! Wow, it took me a few seconds to realize what you wrote on the second line...I interpreted that as * fortunately* until I read it again. That's funny
Yes you are write about the insurance, however even a worse earthquake would just cause some lamps and some books to fall over, but the trees in my area are as high as I can see, if one of them falls...I couldn't care less about insurance, because it would level off half my house if not the entire thing. Not to mention, I've got a cat and a dog that I don't want harmed.
Next time we get an earthquake, Im going to kick my pets outside into the open yard. Its safer there than inside according to the internet, because earthquakes themselves aren't dangerous...only man made objects are since they fall over.