They also sell pet insurance from a quite a few carriers.

FEMA and I'm assuming insurance carriers,  only consider the effect of a flood protection structure (such as a seawall) if it is accredited.

Property coverage - most likely going to be replacement cost coverage Separate structure coverage - typically built into the policy for detached garages, sheds, barnsPersonal Property - typically a low amount $1,000-$5,000Premises liability - I always recommend maxing this coverage out on your policyLandlord Personal Injury Liability- This coverage will be equal to you premise liabilityLoss of Rents - carriers offer 12 months, 24 months or a specified amount typically 10% of your property coverage (very helpful if you ever have a claim that result in the inability to continue renting out the property for some time)This is the primary coverage that you will want to make sure that you have. 

For once it was the insurance company sending me money rather than the other way around.I had recently upgraded the HVAC on one of my houses and since the risk of it failing was reduced, my premium was reduced.Just a reminder that should you do some major work on a house you own that you might be due some discounts from your insurance carrier.

Talk to your insurance carrier.

Due to the coastal risk, out of state agents that has the national carriers aren't going to be the best market source.

And because the postcard is general, it would not exactly alert the mail carrier of their current financial conundrum, that they may (or may not "wink wink") be dealing with.

Check with your carrier.

My primary residential insurance policy will not cover it because our rentals are out of state, all the major carriers will not provide it either unless we move all of our primary household and auto insurance to them and a couple of companies are only willing if we purchase building coverage through them then they will add on the umbrella.

I would recommend getting quotes from carriers that include earthquake coverage in the property policy and it may well be less than your current policy + monoline quake.