She then went on to explain what systems need to have a value assigned to them: -HVAC systems ( motors, compressors, boilers, furnace, chillers, pipes, ducts, radiators) -Plumbing systems (including pipes, drains, valves, sinks, bathtubs, toilets, water and sanitary sewer collection equipment, and site utility equipment used to distribute water and waste to and from the property line and between buildings and other permanent structures)-Electrical systems (including wiring, outlets, junction boxes, lighting fixtures and associated connectors, and site utility equipment used to distribute electricity from the property line to and between buildings and other permanent structures)-Gas distribution systems (including associated pipes and equipment used to distribute gas to and from the property line and between buildings or permanent structures)...

The 13 windows I have to replace only come to $4100.The tile in the bathrooms are good so I'm just replacing the messed up wood counters by the bathtub, sinks, and vanity. 

He said that he graduated business school in that third of the class which made the upper two-thirds possible.I also like his "bath tub theory of economics": The idea that you can think of your finances in terms of "faucets" letting water into your wealth "bath tub" versus "drains" which let it escape.I was also part of his "WinKids" Self Esteem program early on.

I have a crack on the bottom of a bathtub in the middle of the tub about 6 inches long.

Make sure they all flow well (kitchen, bath, tubs, etc) or have your make ready person do it. 

Do it at night and don’t use the sinks and bathtubs overnight.Every 1st day of month Check any leaks around the water pipes.

What recourse do you have if they overflow the bathtub and let it keep running because they fell asleep?

STOLE items out of the unit...space heater I'd allowed her to borrow, the curtain rods, a bathtub fixture...even the used AA batteries out of all the smoke detectors.You never can tell.

I know first hand the value of such insurance as I had to make a claim on my own renter's insurance policy when I was just out of graduate school and an upstairs neighbor left water running in a bathtub.  

It did back up when tenants were doing the laundry (luckily into a bathtub) but the house had been empty for a couple of years.