For example, you can purchase Named Storm (Hurricanes/Tropical Storms) coverage separately for coastal locations or Flood coverage separately for locations in areas that have a risk of river or flash flooding...or Earthquake too, though at times the cost for those coverages may be more than you'd like to spend...

To protect from fire, water, wind earthquake etc.

A severe earthquake is an emergency.

Thinking about dropping earthquake since so much value in the land.

Just came across a listing of home with earthquake damage. 

Just basic, Fire, Earthquake, all of the above? 

I vote for all electric for the following reasons: -Electric appliances and gas appliances are comparable cost wise, If you're building new, you're already installing a new electric drop, meter, panel and wiring throughout the house so incremental circuits should add much cost vs extending your existing gas line and also getting a gas meter-Electric appliances are more energy efficient (although they can sometimes cost more to operate-Electric is more safe than gas in the case of an earthquake-Electric is the future-CA is planning on phasing out gas

Hey Josh: I'm not much of a local to LA girl-- Cali has the big 'ol earthquake insurance issue (in my mind, if a big one comes along, the insurance companies quickly dissolve themselves and unless you've got a 100% loan, you're out a home--like Oklahoma, Florida, and Alabama with tornadoes & hurricanes).. and it's not a landlord-friendly state.

Personally I don't think the value will go up like 12% as your stated number in San Mateo every year in the next 5-10 years (or 17% in Santa Clara County last time I checked), but I do think it will still increase steadily unless a big crash in tech stocks or a big earthquake sticks. 

@Rick Gonzalez, If you're talking about extensions on the 45 and 180 day time frames then your only bet is to pray for an earthquake or hurricane of such proportion that the IRS gives a disaster extension for all filings in the affected area and that you are in that affected area.