In my Commercial mobile home policy that I pay for in my escrow with my mortgage payments it states that it covers against vandalism and malicious damage EXCEPT when done by the tenant, members of tenant's household or tenants employees.

(a) Every landlord shall:(1) within three weeks after termination of the tenancy; or(2) within five days of the date when the tenant leaves the building or dwelling due to the legal condemnation of the building or dwelling in which the tenant lives for reasons not due to willful, malicious, or irresponsible conduct of the tenant,and after receipt of the tenant's mailing address or delivery instructions, return the deposit to the tenant, with interest thereon as provided in subdivision 2, or furnish to the tenant a written statement showing the specific reason for the withholding of the deposit or any portion thereof.

I'm happy to hear this was a simple error, and not malicious!

I've found the problem with prosecuting someone in the US at least, is first figuring out who has jurisdiction, next, getting them interested in prosecuting a white-collar crime, particularly when the ultimate victim is an insurance company whose business model is assuming risk, then finding the perpetrators, difficult since many times the one you can identify is a front for the main bad actors, add in the time, money and resources that need to be expended to get it in front of a jury who may find reasonable doubt and acquit and most insures I've worked for decide it is a business risk, pay the loss, see if there is an easy fix and move on.  

In other words they’ll be stuck as a “bit actor” chasing single family properties hoping to encounter a “motivated” seller.For the potential real property investor to either successfully invest ON A LARGE SCALE IN RESIDENTIAL PROPERTY, or, successfully invest in commercial properties, they’ll need to learn the fundamental of real estate.  

@Hark Tukay  This is terrible and bad actors such as this give the whole turnkey industry a bad name. 

I’m wanting to know as a landlord how to better protect yourself and your investment being that there really is no gain in a rental property unless the rent payment is received and you don’t have malicious tenants try to avoid paying rent, or affect you in a way to rob you from that income like in faulty allegations or habitability issues that then need an attorney or going to court.I have heard of wise landlords using a guarantor service that pays the rent if the tenant stops paying for whatever reason.  

This is a niche I'd like to pursue more - I live in Hollywood, so there's a pretty good market for actors/crew coming into town for jobs, auditions, things like that.  

Do you think academy award winning actors just wing it as to sound more natural?

Mothers, fathers, sisters, brothers, teachers, fireman, police officers, actors, realtors, investors, you name it...