too me its like earthquake insruance..

and lets throw in a nice Loma Preita style earthquake .. 

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).

You have no worries besides a cold day here and there, and tornadoes and hurricanes, and dense fog, and well at least your earthquakes are small and far between just like here.But seriously, some of the friendliest people I've ever met.

There are several significant earthquake faults in the SF Bay Area and the slippage of any one of them could put a damper on home price appreciation there for a period of time.

Also, have all the earthquakes up there caused issues with properties or have they held up pretty well?

If you look at it strategically as a geographic location it is environmentally safe (no hurricanes or tonados, no rising sea levels, no earthquakes, no forest fires) and probably most importantly for the future, it is sitting on the shore of one of the largest fresh water bodies in the world.I am only half kidding when I say climate change may benefit Milwaukee.

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).

There are some exclusions, for example, you can deduct the cost of seismic retrofits from the assessment:https://sfassessor.org/tax-savings/exclusions/earthquake-retrofit

. = excerpts shortened/parts removed for brevity of meaning as I understand it) (It goes on in more detail about how the 10 % is calculated, etc)"(j) For the purposes of this section, the following terms have the following meanings:(1) “State of emergency” means a natural or manmade emergency resulting from an earthquake, flood, fire, riot, storm, drought, plant or animal infestation or disease, pandemic or epidemic disease outbreak, or other natural or manmade disaster for which a state of emergency has been declared by the President of the United States or the Governor....(10) “Housing” means any rental housing with an initial lease term of no longer than one year, including, but not limited to, a space rented in a mobilehome park or campground."