Anything down to the studs/foundation/roof/etc is a more in-depth reno.

Does the coa cover roof, lawn etc?

This worked well at first, but I started noticing "ghost" charges for random repairs and services: $45 for a door knob replacement, $85 for wall repairs, $65 for a toilet leak, etc.

Any time there is a need for major maintenance, say a new AC unit or a new roof, the two cousins have to coordinate and get on the same page.

Instead, they miss the cloth or aluminum wiring and poor circuit allocation and instead show you with their fancy plug that "polarity is reversed"; or the always arbitrary "the roof likely only has 5 more years left max" because they see a 3-tab shingle from the ground and completely miss hail/wind damage on a newer architectural shingle citing its "lifetime warranty".

Thats if all the HVAC are in good conditions and roof. 

I changed to a new provider this year, and got insurance at $1450, but had to replace a roof and water heater to do so. 

I just read a Bloomberg headline that insurance costs off the roof and SWFL real estate experiencing a downturn.

What if there were multiple leaks?

Early on in my investing journey I experienced a ton of water damage because of water leaks in places that often goes unnoticed under sinks, in utility closets etc.I was curious if anyone else here has considered any remote monitoring water leak systems?