The recent earthquake in Napa did more than break a lot of bottles; it reignited interest in earthquake insurance. 

Related: Napa earthquake: Big damage for California wineries

The state runs the California Earthquake Authority, and it issues the majority of quake policies.

Traffic on its website spiked after the earthquake. But the reality is - only about one homeowner in 10 has coverage.

The California Report's Tara Siler is one of those trying to decide whether she ought to take the plunge.