I decided to sign up with State Farm. The premiums are quite a bit higher ($453 vs. $360) and the general property deductible is higher ($500) but the earthquake deductible is lower ($750 vs $2000). Unfortunately, I couldn't get coverage lower than $25000 -- they require an itemized list for lower coverage and that sounds like a drag. Anyway, I feel better about this because who knows what Balboa would do if something bad happened, like my computer got stolen or everything gets trashed in an earthquake. I now have to send a written blurb (sent via fax) cancelling my old policy.