Because it will increase the amount of customers you get because you’re expanding to other platforms and which more people are at.

I'm simplifying but by no means do those riders enhance coverage - they prevent the contract from being voided and add premium to make up for the increased risk.You're an investor with multiple properties so adding this type of rider isn't really what your initial post was about at all, was it?

Random example from this week:Sell at a loss or rent at a lossOn the other hand, if you are willing to put some time in by traveling to the market, spending time getting a network set up, screening dozens or even hundreds of properties, and taking the time to get set up right, you increase your chance of success.  

Its also a great way to increase values in a market since newer homes sales offer higher sale prices.

If you have had it a few years I would imagine the value has increased substantially. 

Also, due to increased liability exposure property insurance premiums is adversely impacted causing fewer and fewer building owners to seek out ATM tenants.

But with a co-living setup, renting out each bedroom separately at $850 per room could generate $4,250+ per month—a 70% increase in rental income. 

Over the years a completely remolded the house and mobile home and made improvements to the lots and increased the rents to $2,350 per month.

What Nathan said.You are following the red herring of the (real or imagined) roach problem, but the tenant just told you they cannot afford a $35/mo. rent increase in an under market rent apartment!

The BEST method for real estate investing is very simple: increase earnings, reduce expenditures, save, and invest from your own funds.You should focus on increasing earnings and learning how to manage your budget.