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).

Colombia is already checked and I have my eye on Haiti for my next one. 

The people in the building also refuse to get earthquake insurance, which freaks me out.

What we don't have are earthquakes, tornadoes, hurricanes, urban forest fires, slides, and tsunamis.

The other one looks like it may have some minor earthquake damage a few cracks and may have shifted a little on the crawlspace foundation.  

I live in CA and theres systemic risk with earthquakes that cannot be diversified away.

My portfolio has performed beautifully for me in the past but I’m concerned about a future SF earthquake and wondering about the opportunity cost of staying in San Francisco relative to investing elsewhere.

Next is upgrade the earthquake proofing, front entrance steps, and miscelaneous.

I'm trying to shop for insurance so I first contacted my own insurance company and was given a quote for about $95/mo and covers pretty much everything except earthquake, sewage back up so I went and try to shop for a different one.

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).