A) Who said they are insured?

B) Government decide what is built where not the insurance company.

C) For a sufficient premium, most anything could be insured.

"Gig 601XL Builder" wr.giacona@coxDOTnet wrote in message
news:RQjRe.6899

What I don't understand is why the insurance companies let them keep
building houses on the sides of cliffs in California.