It is very hard to discuss what monthly expenses might be for a 1 bedroom condo in a high-rise in Atlanta, vs. a shared room in a bungalow in Haiti, vs. a 10 bedroom compound in Palm Springs. 

In California wildfires, mudslides, and earthquakes destroy houses.

We did a full rehab on the inside and outside doing new paint inside and outside, new plank flooring, remodeled the kitchen and both baths, blew open the floor plan by eliminating some walls areas, redid some of the ducting for the HVAC system, new lighting throughout, front and back landscaping, leveled the floors, updated the light switches and outlets throughout and removed a fireplace that was badly damaged in an earthquake.

Even the most 'hardened' property can end up with some unforeseen issue that costs ME thousands.I dont buy in flood zones, earthquake zones, places that have hurricanes, or bad school districts.  

Fortunately we are not in this situation, but what are the landlords responsibilities to their tenant in the event of a fire, flood, or 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).

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).

We’ve got earthquakes, clay soil, all kinds of good reasons for motion.

A series of earthquakes, largest one so far happened early morning on Jan 7th 2020, magnitude 6.6M in the Richter scale in Puerto Rico just 8 miles from the south coast. 

I have a 4-plex that has home/ fire and earthquake insurance.