@Rafael LopezYou want coverage that includes (at least):1) Stated Value/Replacement cost (depends on your strategy)2) Freeze coverage3) Loss of rents4) sewer/water backup5) liability insurance (someone falls on your sidewalk, falls off the roof, etc.)

Storm ponds, storm sewer, property water flow, fire hydrants, utility access, sidewalks, soil compaction, driveway access, landscaping, facade requirements, fire suppression, fire walls or building separation distance, fencing, setbacks, required parking, outside lighting, epa, Corp engineers, grading/elevation, etc.  

It's dealing with the sewer in the city, sidewalk replacement, blah blah. 

But I'd love to have the 14,000 hours back he's spent replacing all the main drain lines, replacing the giant fence (posts also need to be replaced almost yearly due to high water table), laying all new concrete driveways and sidewalks, the 8+ remodels across the various units, the new roof and gutters, the windows he's replaced, the grinding/caulking/sanding/priming/texturing/painting of the billion and a half cracks in the plaster interior walls due to the poor underlying structure, the loads of landscaping installed specifically for a needy tenant who moved out after a few months (Cypress trees?  

The side walk/street is what looks off to me.

Pay fast food workers $22/hour. 25% tax on anyone that sells a property within 5 years of purchase, any vacant hotel rooms must be made available to the homeless, stealing less than $1,000 isn’t a crime, protests against cleaning up parks, free drug needles, camping on the sidewalk and in peoples yards is a right, etc etc etc. 15 years ago NONE of these things would have been predicted. 

Assume there will be concrete sidewalks once they are finished.Sticking with REI and not the Social Economic discussion points. 

The tenants also took the appliances but I can’t prove they didn’t belong to the house, also left a huge heap of garbage on the sidewalk in front of the house that I had to call to have cleared away but I don’t think I can charge for those things. 

He was repairing the sidewalk in front of his property and had taped it off with yellow tape and cones.

Things like poor yard maintenance, trash on the streets, weeds in the cracks in the sidewalk, chipped concrete steps up to the front door, or perhaps a rusty handrail.