And if you are in a flood zone or earthquake region and decide to cover for those the percentages need to be higher as well. 

ALEXANDRIA, VA/D.C. area  got hit with an earthquake several years ago so don't let mother nature convince you beach communities are your only risk.

Since Japan is susceptible to earthquakes, typhoons, fires, and previously wars, the culture for home ownership and rebuilding is not there as it in US and EU cultures.

Or, a charging order may be granted.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).

As a Texan I had to learn about things like Rampart fireplaces and earthquakes, and you'll learn more about our foundation issues and the primary bedroom preference downstairs here.

CA went through a deep dive after the loma Preita earthquake and the first War in the mid east and things got really bad.. they had 250 different properties  student housing senior  MHP ( land development that I ran) and of course apartments galore and they could not sustain and it all got liquidated and I found myself out of a job..

This is California, earthquake country.

Question to all investors that have properties in earthquake-prone zones of US: it's REALLY expensive to get your property covered under earthquake insurance...

The issue is that a train track runs behind it and the vibration is horrible (literally feels like an earthquake day and night).

We are just satisfying new mandatory earthquake retrofitting requirements).Your high level view suggests that that we can add the fees and permit costs incurred in the first year as an additional item (say phase 1) and depreciate over 27.5 years.