Typically, the overages coverage may be not be enough to cover the typical personal injury claim.

Talked to an attorney - not the eviction attorney I talked to earlier - but another attorney who does personal injury, DUI and divorce/family law.  

I currently pay $950 per month for frustration, broken central air, a faulty fridge and stove but was told I am not allowed to have/purchase my own appliances, things in the house randomly fall apart as if shoestring and bubble gum pantomime just to satisfy me for the walk through at lease signing, Jeopardizing my income and my ability to provide quality of life for my family, and now personal injury and endangering the safety of my son and my family! 

Lol The J street was my last I did before injury  

Due to this injury, I have retired from my job after 20 years.

From being a GC, I now know that the risk part of a project (LNI, aesbestos, lead-based paint, injuries, employee complaints, milking the clock, OSHA safety compliance, safety training and meetings, litigation, construction defect warranties, etc) equals the cost of direct labor and materials.

The goo ones have the equipment and experience to do it right and take the load off you, and if you work out your  own hourly rate (classic opportunity costs), plus delays, or screw ups and do-overs (if you are like me), plus stress (or injury!)

If they find out it was a work related injury, there is a very good chance they will not cover the injury.

What would happen in the case of a serious tenant injury?

So there are GP attorneys where they might do some real estate, probate, personal injury, etc. and are all over the place.