But the issues raised in the article are very troubling to hear, such as "your property" can be charged with a crime (but not you), and it is then presumed guilty, seized, and then you have to prove it was not at significant cost in terms of legal fees.  

We will only do this for those who stay loyal and prove themselves to us.  

This legislative session they were asked to sponsor legislation to allow for an out of court binding dispute resolution process that would empower home owners in enforcing HOA laws with an affordable, expeditious, and accessible venue to resolve disputes (a process recommended in a State HOA Study); end the abusive, excessive, and illegal HOA Transfer fee on home sales that costs home owners millions of dollars each year; to limit the excessive collection of fees and lawyer assessments on HOA debt; and most recently provide financial relief to small HOAs in the property manager licensing program.

You cannot prove work comp to a state regulator by just not having it, there is a formal process to self-insured.Lastly, to the original poster@Jim Carson , living in Indianapolis, and knowing a lot about insurance, repeat this mantra when thinking about insurance. 

I would like to add that whether you get one or not, I always used to recommend to a new investor that they get the state issued real estate law book and study it, My point is they should have at least as much knowledge as the average new agent and preferably more. 

Each day I take some time to study and take action. 

I have spent many years studying the stock exchange(s) and eventually I came to the realization that one thing, and one thing only, determines the direction of the market: the behavior of people.  

Effective, sustainable, profitable, and delivers the optimal return on your time, skill, and money.One of my favorite Warren Buffett quotes, "Price is what you pay, value is what you receive".The investors I know that are most successful and who I most want to emulate, challenge me to focus on asking more powerful questions that will likely lead to more powerful answers.Here are some resources and areas of study that I have found to be extremely valuable.1) Public libraries & especially law libraries (nudge nudge wink wink) contract law, real estate cases and guide books that are state specific.2) Understanding title 3) Public record searching4) Studying marketing and human behavior: What influences people to say yes or no?

For example, if the adjuster determines that he thinks the hardwoods were 20 years old, but you can prove that they were just put in 6 months ago...

Right now I'm just reading and learning and trying to study up on the market.