For example, if you are renting out 1 bedroom units in a decent area of Cincinnati, even with Cincinnati Public Schools, you are most likely not dealing with school age children.

She was calling to verify a tenant that wants to enroll their children  ( this house is in a very sought after school district ) .  

Not to mention (and YES< I'm pulling this card), that I have a very limited budget, have 2 young kids, and am 7 months pregnant dealing with this issue from the east coast while my husband works full time, me part time, while taking care of our children on a tight budget.  

Looking to transfer a property from parents to children.

Things like:- limits of Liability of $1,000,000 per occurance- additional liability limits in an Umbrella policy- having them name you as an Additional Insured and requiring 30 day notice of cancellation- requiring that they hold you harmless and indemnify you if there is a claim- making their policy PrimaryThere are a lot of other things that can be required and what you ask form will depend on what is available, cost, and how it will impact getting a tenant.Talk to your Agent about what protections (alarm, fire doors, extinguishers, etc.) you need to have in place as a landlord for a business with children there all day.  

I have a tenant (2 adults, 2 children, 1 dog and 1 car).

I am trying my best to support my amazing wife and two beautiful children.

Hoarding cash serves no purpose till you die and your children squander it away.

To top it off we have 5 children with the youngest 2 being adopted.

Their children will learn the same habits, and should be placed over there, for improper usage.