A good insurance policy plus umbrella coverage will more than suffice.

@Kristin Kiddy Do you think the home depot 6 panel doors suffice for a flip? 

The ones that don't go blind from drinking it would probably thank you but I'm not sure that would suffice to offset the others who would sue you. ;-)

While 100 amps should be sufficent, it either A) is not in this situation or B) Something is wrong with the existing panel to have these problems constantly.In either case it sounds like the panel needs to be replaced, and if it is being replaced...the cost of the upgrade is marginal  to go to a 200 amp service versus just replacing it with another 100 amp panel.

(B) a refusal to make reasonable accommodations in rules, policies, practices, or services, when such accommodations may be necessary to afford such person equal opportunity to use and enjoy a dwelling; or(C) in connection with the design and construction of covered multifamily dwellings for first occupancy after the date that is 30 months after the date of enactment of the Fair Housing Amendments Act of 1988, a failure to design and construct those dwelling in such a manner that--(i) the public use and common use portions of such dwellings are readily accessible to and usable by handicapped persons;(ii) all the doors designed to allow passage into and within all premises within such dwellings are sufficiently wide to allow passage by handicapped persons in wheelchairs; and(iii) all premises within such dwellings contain the following features of adaptive design:(I) an accessible route into and through the dwelling;(II) light switches, electrical outlets, thermostats, and other environmental controls in accessible locations;(III) reinforcements in bathroom walls to allow later installation of grab bars; and(IV) usable kitchens and bathrooms such that an individual in a wheelchair can maneuver about the space.(4) Compliance with the appropriate requirements of the American National Standard for buildings and facilities providing accessibility and usability for physically handicapped people (commonly cited as "ANSI A117.1") suffices to satisfy the requirements of paragraph (3)(C)(iii).(5)(A) If a State or unit of general local government has incorporated into its laws the requirements set forth in paragraph (3)(C), compliance with such laws shall be deemed to satisfy the requirements of that paragraph.

But, suffice it to say, you are correct that the default amounts in this group are way too high to justify worrying about buying the properties at auction.

Or if you have a nice modern phone, that would probably suffice. 

However, depending on the size of your attic, it sounds like it could also suffice as another bedroom (particularly for a child) or a small office.

The review you leave should be honest, and judging by the way you have described the state of your house I would say honesty will suffice.

When you have, I would say, a handful of properties, depending on their collective value, umbrella policy would suffice and much easier to put into place.