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 example, where I live in California, the standard Homeowners insurance does NOT cover earthquakes, but because it is so expensive, most people do not buy coverage. 

Coral gables, Little Haiti, Overtown, Design District, North Miami. 

A riot hits and people feel NYC is the next Detroit and write an obituary.Like you I encourage people to look at the history of these mega cities and their tendency to survive and thrive through shocks like huge earthquakes (SF), Massive regional business shock (SF via dot com crash), biggest terrorist strikes ever (NYC), massive regional business shock (Bank failures in 2008 - NYC).

No pool, earthquakes, hurricanes.... 12k a year. 

I would have guessed it was a massive earthquake that might make that stuff useful living here, but if it's a virus, so be it.

However, we are also seeing increasing number of earthquakes so things must be pretty bad on the west coast even the earthquakes are moving to Texas...Cheers...

All flooring needed to be replaced, there was some foundation issues from the earthquake of 94' (Northridge quake), the bathroom was in need of a full gut and rehab new, all bedrooms needed new light fixtures, closet doors, and some electrical upgrades, plus the driveway needed to be re-surfaced and the chain-link fence removed and replaced with a more appropriate wood fencing for curb appeal.

EARTHQUAKE and the WAR... and Tech was not what it is today.. especially in SF and peninsula. 

Looking for houses built flat eliminates that problem to a degree, although we're still in an earthquake country and always shifting.Also, may be worth exploring why Redfin lists it as 3bed 2 bath, but public records down the page say 4/3.