In wake of quake, Californians would benefit most from 'Affordability Act'

A bill in Congress would cut rates for earthquake insurance so more homeowners can afford it, but critics say it's just a bailout for California, which bears the brunt of quake activity in the U.S. The 6.7 magnitude Northridge quake (pictured) in 1994 caused an estimated $20 billion in damage. (Associated Press)

A bill in Congress would cut rates for earthquake insurance so more homeowners can afford it, but critics say it's just a bailout for California, which bears the brunt of quake activity in the U.S. The 6.7 magnitude Northridge quake (pictured) in 1994 caused an estimated $20 billion in damage. (Associated Press)

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