1.   A newly formed company called Pacific Select, based in Walnut Creek, plans to offer comprehensive quake coverage in the next few weeks.

2.   Bryan argued that Ziello voluntarily purchased quake insurance coverage and she is entitled to the proceeds.

3.   But in the short term, the high losses from Northridge are expected to translate into higher prices for quake coverage in California.

4.   Calabrese also noted that the plan would create two classes of quake coverage depending upon when a homeowner purchased the policy.

5.   Current law mandates that all home insurers offer quake coverage.

6.   Industry officials are pushing to repeal a law that requires them to offer quake coverage along with homeowner policies.

7.   Ina De Long, founder of United Policyholders, a disaster support group, said the plan would leave California homeowners without affordable, comprehensive quake coverage.

8.   It took a personal fright to get some people to buy quake coverage.

9.   Most carriers offer quake coverage only as part of an overall homeowners insurance policy.

10.   Some homeowners have better quake coverage at a lower cost now than they did before the insurance crisis that got the authority started, he said.