The test where one uses there head for more then a neck weight or hat holder.Your spot-on. 

To add insult to injury, every company I’ve asked for a quote based on the quote I got from the first vendor, wants me to pay another several hundred dollar service fee to come out and look at it themselves.

Landlord insurance protects you from unforeseen liabilities which relate to your operation of the property as a rental (i.e. advertising injury, someone slips and falls at a showing, an invitee of your tenant gets hurt on the property, etc.). 

Relieves the landlord from liability for property damage or personal injuries caused by the landlord's negligent acts or omissions.To put it simply, if the landlord causes damage or injury to a tenant then the landlord will be responsible for it.

Lawsuit from tenants for personal injury!

Delaware - 8%Assuming there's additional nuance here with states like California and Alaska handling taxation at local levels, but what are you all hearing in your neck of the woods? 

Plus negligence injuries etc.In my opinion, the single biggest risk of real estate is opening yourself up to potential liability.

I actually grew up in your neck of the woods.Thanks again!

It will get the foot off your neck and give you time to work through the other unit.

It is a pain in the neck so I've decided to purchase a new couch this time around in hopes it doesn't need replacing for at least 15 years.