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:

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