Most likely the state where the property is located is where lawsuits would be brought if they are something for personal injury like a trip and fall or something of that nature because the “cause of action” arose in that state.

We will lose our only place to live if I keep losing work because of these injuries.

I recommend also that you add the optional "Personal Injury Protection" coverage. 

Hi all,    I'm looking for recommendations as to what insurance companies provide landlords with liability insurance beyond the typical property damage and bodily injury coverage.  

On February 1, 2017, Measure JJ (Renters Upgrade Act) became law, which introduced the following tenant protective measures:Landlords must obtain Rent Board approval before imposing a rent increase higher than the annual permitted increase.Protection for just cause evictions was extended to units built prior to December 31, 1995.Landlords or individuals assisting a landlord who endeavors to recover or recover possession of a rental unit without just cause may face a civil penalty of three times damages and attorney’s fees, including a trebling of damages for a mental and emotional injury if the landlord acted in knowing violation or reckless disregard of the rent ordinance.Anyone who engages in one or more of sixteen enumerated actions or omissions against a tenant in bad faith may be subject to a civil penalty of three times damages and attorney’s fees, including a trebling of damages for a mental and emotional injury if the wrongdoer acted in knowing violation or reckless disregard of the rent ordinance."

General liability insurance is a good thing to ask your contractor to demonstrate incase there is an injury, or mistake, it is possible their insurance will pay instead of leaving you potentially liable. 

That could lead to bad things with insurance claims or even injuries. 

Personal Liability: For claims due to Bodily Injury or Property Damage that you become Liable for and which is covered under the policy.

I could buy 3 houses in Minneapolis compared to the price of 1 in San Diego, and to add insult to injury make the least at my job.     

Gas meters need repairs and updates as well and waiting on permission could cause injury or death.