If you're going the umbrella insurance route, make sure it will cover you for several things including just the routine slip and fall (like mold or earthquake).

We are rustbelt no more, a climate haven with plenty fresh water and no other major natural disasters like hurricanes or earthquakes and relatively low cost of living.

We have earthquake, coastal, environmental, you name it, and plans have to deal with it, so very specific to each lot. 

I went to Austria, Mexico, Uganda twice for medical missions, took a selfie with a giraffe in Kenya, swam with dolphins in the India ocean off the coast of Zanzibar, was touched by a silver back gorilla in Uganda, went on a safari, went to Haiti for a mission trip, and went to Bali to see on of my best friends get married.

Not so great for an economic earthquake.

I'm in San Diego, you know Whitter prior to an Earthquake forgot the year 1990 had them that practically brought the whole town down to rubble.

Or, there's an earthquake or other natural disaster.

San Jose EarthQuakes!

A related discussion:http://www.biggerpockets.com/forums/99/topics/61450-so-what-are-the-rates-going-to-do-post-japanese-earthquake-tsunami-nuclear-disaster-

In CA, I could maybe see... because of earthquakes.