I had a meningitis incident while in the hospital, which now impairs me physically/balance. 

Be sure you have liability insurance on your property that covers you as the owner for at least $500,000 per incident and at least $1,000,000 per year in case your tenant tries to sue you. 

We have a rental in a solidly middle class neighborhood, but there are incidents throughout the neighborhood of vandalism and quick-grab thefts and breakage of vehicles.

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Failure to have a comprehensive Risk Mitigation Plan can ruin your finances with one incident. 

However, from an insurance POV it appears that my provider (state farm) will still cover fire incidents from an unpermitted stove. 

This is one of a few incidents. six months ago, tenant B beat his pregnant girlfriend.

I am seriously considering paying for ongoing legal representation just to be protected against similar incidents going forward.

Imagine the plumbers replaced the water heater and tell my tenants to use it before inspector comes to take a look at water heater, and there is some fire related incident happened, then plumbers would be liable. 

We have a liability policy for our business and umbrella but sounds like we would need something focused specifically on workers to cover incidents if we chose to go with someone who didn’t carry there own liability and worker’s compensation insurance