Should you have off-limit areas when renting out a house?

[Khris Clymer]

My wife and I will be renting out a house we own (first-time landlords). It's a small ranch house with a ~5.5ft high crawlspace. The crawlspace gives easy access to plumbing and house wiring, but its ceiling is low and I often hit my head (I'm 6'3"). 

While it is a great space for storage, I'm considering keeping the future tenant locked out of it.  I think most people can handle walking on dirt slightly hunched over, but I can envision someone knocking their head on a joist or snagging a wire, or something else, and suing us over it. It'd be VERY hard to suffer any real injuries, but people are people. 

My wife thinks we should keep it accessible for the tenant in case there's a water leak (the shutoff is down there), plus the extra storage can be a selling point.

Thoughts? Am I being overly paranoid?