One earthquake could convert my $2 million in equity into a default and bankruptcy. 

I was hoping that after the 1994 Northridge Earthquake, building codes improved for residential properties, but I'm not exactly sure what year did the codes changed significantly.

Earthquake insurance is up to you.

Every decade, the doubters have called the end (AIDS crisis, Loma Prieta earthquake, dot.com implosion, Great Recession, etc) but every decade the Bay has come back swinging, growing in influence and wealth.  

Many people will say there are earthquake threats in CA, but in my 26 years of living here, I have experienced 2 very mild earthquakes. 

Think of yourself as an insurance guy estimating the likelihood of a fire or earthquake and how much "premium" is needed to cover the disaster.

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).

The plumber who did my work says this is fairly common in Las Vegas as we get small tremor earthquakes- not enough to move buildings like you guys in Cali but enough to move the ground to shift the pipes & cause the leak/break. 

(earthquake/tornado/flooding etc)I have 2 rentals at the moment and am looking to grow but trying to juggle damage assessment for 10-15+ rentals (especially when I might have damage to my own home) after a hurricane seems like it would be a nightmare.Anyone out there that has experience managing scenarios like this?

I have a lot of respect for people who have a rough road and keep going and overcoming obstacles.Here is the rub: sometime in the next 6 - 12 months, she is expecting her husband, who is in Haiti, to get his visa and join her.