Fear of tennant destruction of property

[Zach T]

I've been interested in getting into renting out my house, but some of these horror stories about tenants doing 20k+ of damage while leaving is seriously making me reconsider. It also sounds like insurance won't cover this sort of thing, and since the renters generally won't have any assets anyway the landlord just gets saddles with a 20k+ bill plus lost rent.

How do you guys sleep at night? I must be missing something.