Insurance should be reserved for the things you can't cover out of pocket (i.e. stolen HVAC condenser). 

A lot of tennats do not change air filters ever and that causes a major restriction on air flow.check condenser (outside coil) alot of the times they end up getting filled with leaves grass clippings etc.

Seriously, this is the single greatest summary of REI wisdom, knowledge, direction and advice condensed I have ever read, bar none.

Usually, only heating oil USTs associated with commercial properties are regulated. thus, most home heating oil tanks may and often are taken out of service without any oversight from state regulators.Second- the rules that are in effect for heating oil tanks are usually less stringent than for diesel or gasoline tanks since heating oil tends to thicker and may not migrate as far. as a result, many states just require tanks to be cleaned out. they may also require the tanks to be filled with sand or concrete to prevent collapse. but sampling may not be required.Third- the key to determining if a tank has leaked is to collect soil samples from around and beneath the tank (groundwater also if groundwater is shallow). another quick way to see if a tank is leaking is to "dip" it with a stick that has a paste that turns color in the presence of water. generally, if water has gotten into a tank, it can mean oil has leaked out of the tank (although a certain amount of condensation may be present even where there is no leak so this is not a infallible test).Fourth- if there is currently a tank in the basement, ask the owner if there used to be a buried tank (a/k/a underground storage tank).Fifth, If the tank has impacted the soil, the cleanup generally varies from $25K to $50K though the costs will depend ont he depth of the contamination. i once had a home with a heated pool that had pressurized piping and used diesel. the contamination went down 40 feet and the consultant went crazy excavating the soil to the tune of $400K!!!

Have your condensate drain line cleared as well.

It is off topic to winter, but in the spring we go around and clean outdoor AC condensing units for dust and dirt.

FHA are tough with any form of water condensation anywhere within or near the home. that said  Considering so many people on edge recently with Covid19 maybe their wont be that many buyers trying to compete, Best of luck ..

He sucks out the old coolant and replaces just the outside condenser.

Heat Pump Split Unit AC System Condensate Line: PVC: The line should be extended away from the house where it exits the wall behind the heat pump to prevent condensation from emptying next to the foundation.

You can also get multi- evaporator system that runs off one condenser but those are pricey.