Hi Sam, I have had good experience working with Payless Floors located in Walpole and North Attleboro for carpet installation; good range of price and quality and their installation was on-time and done well.For doors and cabinets I would encourage you to look at the Habitat for Humanity Restore in North Attleboro.

There is a human aspect to it and its hard to not be affected by that. 

This "guilty until proven innocent" theme   is based on a misunderstanding of how the burden of proof operates in discrimination cases.You can read about it here if you don't care for my explanationhttp://corporate.findlaw.com/human-resources/race-...otherwise The way the law works is that once the complainant has established a prima facie case that discrimination has occurred - the burden of proof shifts to the Defendant to provide a non-discriminatory explanation for what happened.So all you have to do is come up with a non-discriminatory explanation for what happened. 

In the past, tenants have cited children and elderly parents as reasons for begging off citing fears of health related issues.

I'm only nearly 5 mos in on my venture but we need to carry the following for our residential care (assisted living)  licensed for 41 beds - but we can hold 36 beds in our current configurationGeneral Liability (We buy through an independent broker - basically covers medical malpractice, any slip/falls etc)Workers CompAnd even though you arent interested - Non owned auto insurance in case staff use their own vehicles to run an errand etc, building insurance for wind/hail etc inc general property liabilityAll of this runs around $33k to 36k a year for us - thats before health insurance for us etc - Work Comp is the most expensive part of that mix.Your best bet is likely not to find the coverage by calling yourself - you'll just waste your time - find a broker that can sell you this insurance - as far as limits - some of the limits are state mandated and will be in the regulations. 

I'm curious about your thoughts/recommendations here...I have a 2 bedroom unit with two tenants with declining health. 

Reasonable pleasant human interactions? 

Other than that we've had one divorce, one lost job, and one health issue.

Mold can be a health hazard.

In my experience, my tenants are human, they pay late sometimes and are short on money sometimes.As a property owner, it's your responsibility to send them notices that they need to pay, not only does this protect you, but it protects your customer, your tenant.