California law does not require HOAs to carry earthquake insurance, but boards should check their CC&Rs. Click open the article here for some great questions and answers covering possible options for having earthquake protection as a condominium owner in a home owners association.

For more info, please read the original article by The OC Register :
https://www.ocregister.com/2019/09/27/hoa-homefront-readers-shaken-up-about-earthquake-insurance/