If you have say 100k or 200k to invest then in your situation looking at buying a SFR or high end quad in a premium area with tenants makes sense.

The house is on the coast and it's made of wood.  

@Mike Wood, I use a satin finish on the walls, ceiling flat, and gloss or semigloss on trim.

Or the best flooring guy in town lay tile, carpet or wood... 

This means that 60% to 80% of the investment property transactions would disappear, and the corresponding/related real estate commissions, title insurance premiums, escrow fees, lender's fees and interest, appraisal fees, etc., would also go away and they would not pay any taxes on their earnings. 

One prediction of a future crisis won't cause me to sell and run for the woods.

In my neck of the woods, this property would have been in the range of $160K, and rented for about the same, so I am just a tad jealous.

If the new information puts you in a lower risk category, you are entitled to a refund for the difference in premiums for up to one year.  

No problems yet *knocks on wood*

Dave although USAA is one of the better Insurance companies they do have high premiums.