As far as a "crash", most don't see that as a possibility unless we, as a nation, have a catastrophic event.

Everything will still be inspected and will fall back to the inspector if there were a catastrophic failure, your insurance would also cover it as it has been inspected and passed Ma code regulations.

@Brian Fernandes I'd start with Deductible and Personal Liability.At one time I had $250. deductible and $100,00. personal liability but we never put in claims unless it was catastrophic so I changed it to $1,000. deductible and $500,000.

me and my wife would love to install a Borderless shower in our 10x5 master bath (on crawl space over) but seems like our contractor doesn't know much about it and I keep being told it's not worth the hassle but it's what we want and I'll do it myself if ihave to. the shower area in the bathroom is max 3.5 x 5 and I don't want to slope the whole bathroom because that just adds to the chance of catastrophic mistake and I have no idea how I'll transitin into the master bedroom from a slop that high in the bathroom. 

Most people seem to lose sight of the fact that insurance is meant as a hedge against unforeseen and catastrophic events.  

I was taught, if something catastrophic happens at the home  (fire, flood, death, etc.) and the tenants sue you - they can, technically, only get what the LLC "owns".

Does anyone have any experience with the longevity of a pole barn and what catastrophic event happens at "40 yrs"?

For example - let's use apocalyptic vision here - let's say there was some massive planet-wide catastrophe such as a broad-based nuclear war.

You'd pretty much break even the first year save any major catastrophes but I have a hard time with the 20% operating expense ratio.

I work with multiple investors in the oil/gas industry and they all feel that while this will hurt a bit it will in no way be as catastrophic as the 80s