Requiring the homeowner to replace the pipe individually would seem like a huge octopus of inspections and enforcements and etc.

I did not want to incur the cost but I figured...that maybe....just maybe....sometime in the near future us ADU home owners may be able to rent both units....like a duplex.At that point it will be worth it to let the tenets be responsible for their own bills.Not saying that other ways are bad...they are actually very cost effective if you are living there...but what about as you scale your business and move onto other properties.This of course if your city will allow you to rent both units...the city I am in is tough but things can change as more pressure is being put on affordable housing.Once again...not saying any way is right or wrong...I just did it this way for the reason I just mentioned.Thank you....

If it is for liability protection, keep in mind to actually limit your liability means that any loans and insurance for the property need to properly be in the name of the LLC and not your personally.

Insurance is paying for the stay.

Most title companies will never give title insurance on properties bought at tax auctions.

First a little about me - I am a homeowner in the Beaverton, Oregon area and purchased a newer property in a new up-and-coming area back in 2019 at 2.5% 30 year fixed.  

Worst case, slap on some primer, throw down a rug, and voilà: a "blank canvas for the next homeowner."

For me it’s been running toilets and the water/sewer line that ran underground (i recommend getting insurance for it).

Are there any insurance policies or providers you recommend for this unique use case?

As I mentioned above, the risk of being sued, found guilty, and fined more than your insurance will cover is almost non-existent.