Here's why
ByFaith Karimi, CNN
Fewer people than you'd think have earthquake insurance in Southern California, rattled this week by two major earthquakes.
Friday's 7.1-magnitude quake, centered near Ridgecrest, led to gas leaks, building fires and water main breaks. It came a day after a magnitude-6.4 temblor in the same area.
In a state especially prone to tremors, only 13% of homeowners have earthquake insurance, according to the California Department of Insurance. Others who have renter's or homeowner's insurance mistakenly believe they're covered for earthquakes.
Here's what you need to know: