We don't have any significant storms, floods, earthquake, wild fire or hurricane risks, which keeps insurance cost affordable.

Plus some of it, especially in Jeff Davis County, are on top of an active earthquake fault zone.

For example, in California, we have earthquake and foundational issues.

Known for earthquakes or regular settling?

So i smacked my earthquake valve 3 time with the tool, it worked!

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).

We do not have serious floods, tornados, heavy snow and rain, frequent major hailstorms, big earthquakes, or extreme weather conditions.

Area, tenant use, tenant credit (i.e. only Moody's BBB or better guarantor credit).There are a lot that can vary in NNN, just like any other real estate.You have market risks: FL has another hurricane coming, CA has earthquakes and wild fires, the midwest has anemic population growth.You have some location risk: is building on hard corner with signalized access or buried mid-block with no turn lane?  

This is a more affordable option but only protects against named events.Comprehensive Coverage: Often called “all-risk” coverage, this protects against most unexpected events, except exclusions like flooding or earthquakes, which usually require separate policies.

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).