Is this the big moment?;
<h3>Earthquake insurance rates just dropped 22% statewide. For those who don't have coverage -- most of us -- it might be time to consider it.</h3><p class="source">The Los Angeles Times</p>
<p>"With the new lower rates, it's time to go back and reconsider buying earthquake insurance because Californians are in a real precarious position without it," said Doug Heller, executive director of the Foundation for Taxpayer and Consumer Rights in Santa Monica. Still, he is concerned about the high deductible -- $60,000, for example, on a house that would cost $400,000 to rebuild.</p>
