So your saying The person couldn’t pay 12$ a month for insurance for peace of mind with their belongings ...Or save back 500 for an emergency fund in all that time ?

This info has definitely given me a peace of mind. 

I'm a fresh landlord and every time I come across home warranty promotion I wonder if it's better to spend that ~$50 for a peace of mind and also I can take that out of my capex/maintenance budget?

Both peaceful and hostile exit of a group member (or dissolving of the entire group) should be accounted for in the written agreement.

When you underwrite it correctly, and purchase it at the right price, we are confident we can weather any market condition which gives our investors peace of mind. 

I think being able to have the expertise to know when the company can provide such peace of mind, there is nothing that should raise a red flag about this one, but make sure it is not “too good to be true.”

@Nicholas L.Doing the two house plan gives me a bit more peace of mind in case of an emergency where one house has to be vacant (for whatever reason) at least I’m only paying out of pocket for a smaller mortgage and the other house would be good.

So I'm looking for a way for all of us to ensure we have some sort of ownership of the home with only the investor being the guarantor so my fiancé would be at peace with this.

Personally, the peace of mind of renting, saving and self educating more appeals to me more than forcing myself into a deal with my ENTIRE savings leaving me zero in the bank to obtain a property. 

It would give me a peace of mind investing in an area where it would be an easy drive up for me to check in and handle any issues that may come up.