@ConChryst@just_mindy That was always the rule. Only friends put on showers. Not relatives. Relatives could host luncheons or brunches but no gifts from the guests.
@notlouisck@AuthorPeterPike Earthquake coverage is a separate policy. All lenders require fire insurance in order to obtain the loan. If a homeowner lets the insurance lapse, the lender will place insurance on the property and the homeowner must pay.