The replacement quote was the high end , it depends on how much refrigerent it takes . 

Does it extends to the equipment of the individual units such as say a power surge and it damages the HOA washer and dryer, but it also damaged unit #4's air conditioning unit and their refrigerator, I assume the individual unit equipment won't be covered or would it? 

Lately we’ve seen an uptick in new appliances just breaking and the box stores have just been replacing them under the warranty because with a refrigerator or stove in a rental a tenant can not go weeks waiting for their repair guy to come out.

I cannot find refrigerators locally and I will be house-hacking a duplex.

i.e. under the stove, under kitchen sink, behind refrigerator etc.  

I asked myself this same question about one of my properties, but with a refrigerator.

Any recommendations on a used pickup that would fulfil the requirements of a. being around $10,000b. being tenable in date night conditionsc. pull a trailer carrying anywhere from 1 to 5 refrigerators at a time?

Dust ceiling fan blades Dust door, window and floor trimCheck/dust/vacuum window blindsWash walls with dish soap and warm waterWipe light switch plate and door handles Wash windows, check screens & latchesTest all outlets for polarityTest heaterBegin PAINT PREP sequence if necessarySweep floorsKitchenRemove dust bunnies from ceiling/corners with duster Replace any burned out light bulbs Dust ceiling fan bladesRemove all items from cabinets/refrigerator/freezerWipe inside of cabinetsClean/dust top of refrigerator Wipe down interior/exterior of refrigerator/freezer Vacuum refrigerator coilsWipe down cabinet frontsClean stovetopClean ovenClean microwaveTurn the sink faucet to hottest setting for one minute.

Are you planning on adding dish washer and refrigerator? 

Refrigerator, washer/dryer, dishwasher etc.