I understand liability, but when it comes to the actual property it seems to be that making a claim is a long shot, the deductible is usually large enough to cover repairs due to problems that nature occurs.

http://ciovaccocapital.com/wordpress/index.php/stock-market-us/utility-stocks-are-they-really-safe-in-bear-markets/

When did the education occur?

I want to ensure this wouldn't muddy the waters down the road should a lawsuit occur.

Who wants a lien against their property even if occurred due to another person?

That never occurred to me.

Then a leak occurred with one of the mini-splits and the wall needs fixing.... one thing after another.

That leaves you exposed on any damages that may have occurred. 

because the products wear out over time, typically foundations don't settle much morewiden bases out slightly larger and higher the load is limited down force after a standard repair area.sinking may occur however remember a lifetime is typically a 20yr period, limiting this period to conditions make it a limited lifetime.marketing to people not realizing this.

We lived 4 houses away from the PG&E explosion and were home at the time it occurred.