Coverage isn’t cheap. But Southern California is overdue for the Big One. Consider what you’ve got to lose and then decide. Few know the risk of living in earthquake country quite like Susan Hough.

The 46-year-old seismologist heads the U.S. Geological Survey’s Pasadena office, which monitors earthquakes statewide. She also has written a book about Charles Richter, who invented the scale for measuring the magnitude of quakes.

She’s lived through a few big ones too, including the 1992 Landers quake and the catastrophic 1994 Northridge quake. And yet, Hough doesn’t carry quake insurance on her vintage 1926 South Pasadena bungalow.

Read it here: http://www.latimes.com/business/la-fi-quake29apr29,0,3318144.story?coll=la-home-business