Home Insurance - Earthquake Deductible

I live in BC, on the west coast and am in the process of renewing my home insurance. Earthquake coverage for 2025-2026 went up by $600. Then the agent informed me that the deductible for earthquakes if $167K. So that got me wondering if it's even worth it. Where am I going to get $167K to even avail of my earthquake coverage, in the case of a big one in BC. What am I missing.