I talked to a few insurance agents and have received mixed messages on if earth quake coverage is actually needed.

All of my foundation work was in SoCal where there is significant danger of earthquakes and they insist on Seismic Strapping.

Or, a charging order may be granted.If you're going the umbrella insurance route, perhaps see if it will cover you for several things including just the routine slip and fall (like mold or earthquake).

Professional HelpIf the infestation is severe or if you're dealing with dangerous pests like venomous spiders or aggressive rodents, it's best to call a professional pest control service.Environmental HazardsEnvironmental hazards are things in our surroundings that can be harmful to our health or the environment itself.These hazards can come in many forms, and it's essential to be aware of them to stay safe.One common environmental hazard is pollution.This can include air pollution, where harmful gases and particles are released into the air, making it difficult to breathe and causing health problems.Water pollution is another concern, where chemicals and contaminants get into our water sources, making them unsafe to drink or swim in.Soil pollution can harm plants and animals, disrupting ecosystems.Other environmental hazards include natural disasters like hurricanes, earthquakes, and floods.These events can cause significant damage to homes and communities and pose risks to human life.To protect ourselves and the environment, we must be mindful of these hazards and take steps to reduce our impact on the planet.This includes conserving resources, reducing pollution, and being prepared for natural disasters.By understanding and addressing environmental hazards, we can create a safer and healthier world for ourselves and future generations.Safety FeaturesSafety features are like the guardians of a property, making sure everyone inside stays safe and sound.These important elements are like your own personal superheroes, always ready to protect you from harm.Let's take a closer look at what safety features are and why they matter.Safety features in a property include things like smoke detectors, carbon monoxide detectors, fire extinguishers, and even security systems.These devices are designed to alert you if there's a danger, like a fire or a gas leak, so you can take action quickly.Smoke detectors are like little detectives that can sense smoke in the air.When they do, they make a loud beeping noise to let you know there might be a fire.Carbon monoxide detectors are like sniffing machines that can detect a colorless and odorless gas that can be very harmful.

If I move to CA can you guarantee I won't experience an earthquake? 

And make sure to account for the following in your operating expenses to get to the real cash flow:1) Mortgage2) Mortgage insurance (PMI or MIP) or FHA Risk base3) Property Taxes4) City Taxes5) HOA (Home Owner’s Association) Dues and Fees and Assessments6) Insurance   a) Property Hazard Insurance   b) Flood Insurance   c) Earthquake Insurance   d) Umbrella Insurance7) Vacancy Rate (usually 8% - the equivalent to one month a year, or 5-6% if multifamily and/or if experienced, if not use 8%)8) Utilities (you’ll have these if your tenant is not covering them and/or during vacancy)   a) Water § Sewer § Garbage   b) Electricity   c) Natural Gas   d) Propane9) General Maintenance (usually 5%)   a) Upkeep § Landscaping   b) Snow removal   c) Repairs   d) New Appliances10) Capital Expenditures (usually 5%, higher is the property is old and obsolete, less if fully rehabbed and all mechanicals and roof are new)11) Property Management (8%, even if you self manage, your time still has value and there might be a time when you'll want to be completely hands off or you'll not be able to do it, vacation, retirement, etc.), including...  

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).

For Miami you're looking at Allapattah, Little Haiti, Little Havana, North Miami, Miami Gardens, Liberty City and the general north eastern parts of the city.

Is it too soon to see any changes to the prices on investments due to the earthquakes?

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).