The government wants to force landlords to cover the cost of cooling renters, but that same government doesn't protect paying customers from rolling blackouts.

Insurance would cover it, I would pay the deductible, and no assets would be lost.If you are in an area like San Diego where people are more likely to sue, a judge is more likely to find you guilty, and the payout is expected to be higher, you may consider an umbrella insurance policy.

It's easy to understand and covers everything from finding properties to closing deals.

It protects both you and the tenant, ensuring their personal belongings are covered in case of accidents.

Options include:Renovation Loan (FHA 203(k) or Fannie Mae HomeStyle) to cover both home purchase and ADU construction.HELOC or Cash-Out Refinance if you have equity in your home.Construction Loan specifically for building the ADU.This post does not create a CPA-Client relationship.

If you're going the umbrella insurance route, perhaps see if it will cover you for several things including just the routine slip and fall (like mold or earthquake).

In every set of instructions about the hot tub, i.e. info sent out to guest, info on sign by the hot tub, info in cabin manual, info on the hot tub cover itself, we explain all the those things that they should be doing.  

I reached out to the agent with a generous Seller Finance offer - above asking price and we would cover the agents commission.

We recommend you get management contracts from several PMCs and compare the services they cover and, more importantly, what they each DO NOT cover.

@Hoai Nguyen suggest modifying your current lease to cover multi-family setup.Parking, shared access, police report required for landlord to get involved in disputes, etc.