No, but if something catastrophic occurred at one of my rentals and there was a loss of life, I highly doubt the damages sought in the lawsuit would be limited to my net worth.

Catastrophe control is another thing property managers can bring to the table. 

I've seen it on a catastrophic claim with State Farm, but none of these were 'Subject To'. +1 on State Farm for non-Owner Occupied claim.

While you may not be directly saying it, your messaging is paralleling that of those broadcasting various catastrophes from a rate over 6%, which is simply not true in any sense, we have comfortably existed in that range historically. 

Becoming an engineer was just a means to an end, but it's also a great back-up plan in case something goes wrong (like if my husband becomes disabled and can't work, or we have a financial catastrophe and lose some or all of our rentals).

There have been a series of catastrophic flooding events over the past few years and as a remote investor you really need to avoid that risk.

Which was a major catastrophe.

If I had to make a grand proclamation, I like to have at least enough cash on hand to weather a catastrophe and avoid losing my assets, wherein I had expenses and no income for a significant amount of time.

Usually it's about double the purchase price rather than the cost of new construction to replace the property in the event of a catastrophic disaster.

I told my agent all I wanted was a policy that allows me to pay off the loan in the case of a catastrophic event.