More importantly, preventing a sexual offender from staying as a guest with a tenant.

I'm with @Jay Hinrichs hiring attorneys and filing lawsuits will only deliver psychological gratification while setting you back thousands of $$.The most cost effective method to put people on notice, in the event you need to later recover damages e.g. from a negative cash flowing property, selling expenses, etc.

I do like the instant gratification of 20k/year although less without your depreciation. 

It doesn't appeal to instant gratification, so it doesn't fit with the "cash wash all over me" mentality of their subscribers4.

Then one of them climbs over into the front seat and performs a pleasurable sexual act on you, while the other one steals your wallet.

The specific exclusions listed on this binder state the policy doesn't cover for: Earth Movement or Earthquake, Lead Contamination, Injury resulting from Trampoline, Mold & Fungus, Domestic or Sexual Violence, War & Terrorism, Injury resulting from Pool, limited injury from Dog & Wild Animal.

Murder), Drug Crimes and/or sexual crimes?

Exclusions that may be in a policy would be discrimination, sexual harassment, Intentional/criminal acts on your part. 

JP GETTY(SP) :  3 KEYS TO WEALTH:  1) LONG TERM VISION 2) DELYED GRATIFICATION 3) INVESTING IN YOURSELF. 

I love fresh ocean air, beach volleyball, running, and actually my career makes me obligated to be in an environment where the sexual energy is high.