An entire shelf fell off of my wall breaking a few of my antique items, that were not heavy.

It would be a temporary loan until you fix the items, then you could refinance into your regular loan. 

If a lot of work is needed, itemized costs will add up fast, and depending on how well-versed/skilled your GC is, your deal could be killed if something is missed. 

Whoever you go with, ask how they plan to capitalize items, if any. 

I wonder about protecting my private items. 

To do it correctly, take all of your appliances and major items (ie. roof) and amortize costs over the useful life.

As agent count drops, the cost of these items has to increase to offset the drop. 

While I have good cleaning people, numerous handi-persons and licensed contractors, their availability is not  24/7/365 I have to pinch-hit on guest issues and repair problems when the support staff is unavailable.We often find problems, broken, stained, damaged & missing items, during turnovers that have to be dealt with quickly.

And in the end didn't make me money and the loans I had on them actually prevented me from getting additional loans on other better deals.Anyway, here are the specifics:1) purchased 7/1997 @ $80k, $500 down payment, cashflow appx $150/mth as long as there were no major repairs or maintenance items, great % returns but very little $ returns.Sold 5/2016 @$67k, after about $7k rehabwas about $250/mth cash flow at time of saleOh, and it took many months to sell, therefore costing me additional holding costs with no cash flow2)  purchased 9/1998 @ $71k, Similar and same area as #1 - $500 down payment, cashflow appx $150/mth Sold 4/2016 @$72k,after about $9k rehabwas about $250/mth cash flow at time of saleand also took many months to sellFor fun, I just looked up their zillow as of today and 1 recently resold for $85kNow, today, there are a lot more resources to easily research market areas, etc, so I now do more research to find markets with more demand and growth potential. 

A good handyman and possibly a realtor for future leases/other items and you should be good.