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seismograph A vast majority of California residents — 87% statewide, according to the California Department of Insurance — don’t opt for earthquake coverage. (Photo: Shutterstock)

Southern Californians found themselves earlier this summer dealing with some of the largest earthquakes and aftershocks to hit the area in 20 years. Although it wasn’t a devastating blow, it did serve as a reminder about earthquake insurance and whether it’s cost, high deductibles and exclusions make it the best route to go to protect your home or business.

In the days following that June earthquake that struck the southern desert, state Insurance Commissioner Ricardo Lara was among state and local officials visiting the Kerr McGee Center in Ridgecrest, where an earthquake assistance center was set up.

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