I was planning on having landlord insurance but should have some sort of insurance to cover (accidental or intentional) tenant damage (let's say the damage destroys the kitchen and I gotta pay 20K for a new one).

Then, when the tenant destroys your property, you have virtually no recourse.As to the concept of "guaranteed" rent I'm rolling on the floor.

You can only assign $0 if the tub becomes destroyed/stolen or otherwise worthless.

It would seem likely that someone over the past 50 years might have placed an eye bolt or some other piece of metal in the trunk that would destroy my saw blade.   

I posted one below:One of my units got destroyed last night in a flood.

I have anticipated that the house may be destroyed inside.

The first remediation company went to assess the damage and told us an overwhelming amount of work that they will have to do in order to repair the water damage, including demo the kitchen cabinets from the walls, potentially destroying the counter top, opening up downstairs bedroom drywall, ceiling and some carpeting, and that they will not be able to put anything back due to liability concerns (the fact that they are not licensed contractors to perform such types of work).

The subconscious or maybe not so subconscious belief that Black people or all low income minorities devalue neighborhoods and destroy property is a very hasty generalization of the whole based on behaviors of the few.

If you get written permission from the owner, then perhaps; but if I was the seller I'd want a higher deposit in case you destroyed the house and then bailed on closing.

If they are, and the place is not destroyed, it sounds like you'll be just fine on this purchase.