Landlord insurance. Is it worth it?

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I recently became aware that there is such a thing as landlord insurance which, in the event of a deadbeat tenant, will not only pay their rent in the interim, but will also pay for the cost of an attorney throughout the eviction process.  Being in a tenant friendly location of San Jose, California, I am concerned about tenants not paying rent, especially in a non-rent controlled city.  Is this insurance something that I should strongly consider if I own one duplex (owner occupied)? Is this type of insurance expensive? Any insight would be appreciated. 

- Chris