Actually.. you can in fact be arrested for the acts of the LLC but that is a different discussion.The LLC typically does not protect you from any damage that may occur as a result of a physical disaster or other hazards such as: floods, fires, hurricanes, earthquakes etc.

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).

Never invest in any location with rent control.Low disaster risk - Natural disasters such as tornadoes, hurricanes, and earthquakes destroy communities.

Do you usually purchase an earthquake insurance for your rental property?  

That said, they now have a good reason to do so...Don't discount the effects of a major earthquake!

For example, my lease states that if the  “Premises are totally or partially damaged or destroyed by fire, earthquake,accident or other casualty that render Premises totally or partially uninhabitable, either Landlord or Tenant may terminate this Agreement by giving the other written notice.”

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).

Cheryl,Do you have earthquake insurance?

The three years before that we had both been doing volunteer work in Haiti.  

There is a good case to be made for the midwest, as evident by the many posts:- plenty of fresh water, no droughts- no hurricanes, no tornandos in the upper half- no fires or smoke- no danger of rising sea levels- no earth quakes- lower cost of living- lower cost of real estate- landlord friendly- underdog, the midwest is better then the reputation it got in the 1970s and 1980sMy portfolio is in Milwaukee and I feel I got lucky.