My wife did, and suffered poisoning, hospitalized, out of commission for over 2 months .

We don't have the state/fed gov backed push to increase home ownership that planted the seeds for sub prime/ NIJA/ No Doc loans.

It will help get your feet firmly planted and on your way.

To answer you question "Loss of Rents" coverage will kick in when you suffer a covered claim that makes the property Inhabitable. 

The two septic tanks are about as old as the property (25-30 years).We spent a good amount of time talking about her garden and the trees she planted and looking for fresh chicken eggs (we found 4 eggs). 

Parcel is 0% stones, level, north-facing and totally shaded, soil class is Rains and Grifton but we'd most likely engineer a raised bed if that is appropriate for the plants and parcel. 

My renters work short term jobs on large metal erections at a petrochemical refinery and nitrogen fertilizer plant.

If I, a healthy 37 year old, drive my car, suffer a fatal stroke, my car goes across the median, strikes your car.

Then put out some lawn chairs and plantings.

Even if the tenant has a mental disability requiring treatment with an emotional support animal, it is unreasonable to expect you to suffer the consequences of dropped insurance.If you get sued, it does work in your favor that the animal was not presented to you as an Emotional Support Animal.