Keep in mind you can also tweak some of the coverage amounts they send you, and you can sometimes get discounts for certain things like weather resistant windows, security features, fire alarm, etc. 

If you are interested in screening the porch, you can get aluminum screening which is more resistant to box cutters and switch blades then the standard fiberglass cheapy screens if you want.

Safeguards would include verbiage like; no grills, candles, open flames, ect.

So one evening at about beer-thirty I looked over the shoulder at my friend who like me had this REI itch but always without action and I said "well hell, half those doing it are morons, we can be just as stupid as anyone else, I'm done with this, I am doing it and your gonna help me, done, end of story, if I fail at least it will be in flames of glory instead of sitting the sidelines". 

You can get “Life Proof” vinyl at home depot which advertises that it’s water proof and scratch resistant. 

No laminate - if someone spills water and lets it sit on laminate it will buckle.2 - Stone Counters - Make sure they are heat resistant. 

Not only does it not extinguish the flame, it actually can make the fire worse. 

Politicians seem to love fanning the flames of class warfare and blaming landlords and property owners for the ills of ****** zoning regulations.I read an article recently that some municipalities that banned STRs are reconsidering. 

Choose weather-resistant furniture and add some colorful cushions for extra comfort.

Most any client I work with who intends to stay in the home uses a an investment loan as it is far less UW and less resistance.