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<b>Reader Clare S. of El Cerrito, CA asks: "Are there any advantages to carrying earthquake insurance if we have little equity in our home?"</b></p>
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<span id="articlebody"><strong>A:</strong> Doug Heller, executive director of Consumer Watchdog, says earthquake insurance protects three things: your equity, the structure itself and your credit rating. Even if you have little or no equity, "those two other things are there to protect," he says. Whether that protection is worth the price depends on many factors.</span></p>