the state is l uniqyear. it's a big development, thoughs. you have to buy a separate policy.us counted about 13 million houses in california. just 1 million earthquake insurance policies. 92% of us are 100% on the hook on our own for earthquake damage. the solution is earthquake insurance. good news is, it's a little more affordable in 2019. getting a personalized price estimate is easy. on the ari bars left or right to adjust how much coverage you want and your premium updates right up there. put a link on our website, nbcbayarea.com/respond. that's where you can also share your insurance battles or call us. number, 888-996-tips. >>> and 4:57. oming up, "today in the bay" forecast and togis was actually in the park san jose camera. sees clouds and fog sticking around at least t clearing out sunshine later today. a look at all of our microclimates and the visibility coming up see fine here for a few hundred yards. san matebrge cars disappear or appear out of the fog there. a smooth drive but leave extra time. show you how things shape up and what you can expect. >>> plus, bra