I am a landlord and the homeowner next door is suing me for personal injury, claiming a leak from my property caused him to fall and break a leg on his property.

For example as a financial broker I have come across insurance companies that have clauses that if you have a stroke or are terminally ill or receive a critical injury you can receive up to 70% of your coverage.

We have LONG term disability in case of a major injury/ illness.

How do you try to protect yourself from liability from fire, natural disaster, injury, etc. in the lease?

If they need to change from one service animal to another, then we fill out a new Service Animal Agreement.We also include name and contact information regarding the service animal's veterinarian and emergency care taker.Here is an excerpt from our Service Animal Agreement regarding other terms:"Tenant agrees to:1.Provide proper care for the animal in accordance with veterinary recommendations or ASPCA (American Society for the Prevention of Cruelty to Animals) guidelines.See www.aspca.org.2.Not to leave the animal unattended for any unreasonable periods of time.3.Adhere to local ordinances, including leash, vaccination, and tag/licensing, requirements.4.Clean up after the animal and dispose of animal waste properly and quickly.5.Not to leave animal food or water outside the dwelling, as it could attract other animals.6.Keep the animal from being noisy, aggressive, or from causing any annoyance or discomfort to others.7.Immediately remedy any complaints that arise from animal behavior.8.Immediately pay for any damage, loss, or expense caused to others by the animal.9.Provide animal with regular health care, to include vaccinations as recommended by a veterinarian.10.Arrange for an emergency caretaker for the animal.Tenant agrees to indemnify, hold harmless and defend Landlord against all liability, judgments, expenses (including attorney fees), or claims by third parties for any injury to any person or damage to property caused by Tenant’s animal.Landlord reserves the right to revoke permission to keep the animal should Tenant break this agreement or provide false or misleading information."

Both can lose their job, both can get sick, both can sustain injury, divorce, etc.

My mommy now has a brain injury.

There is a thread in another forum,"about to sign for home sustain injury ...a week away from making settlement on home...when mother suffered a spinal cord injury.

This provides "liability" against third party injuries and coverage of the structure itself.

so now you have a written report that tells you you have mold in your place. which is not a good thingsome unscrupilous people, clean up everything very good first, then test.the major risk is a tenant hooking up with a crooked doctor and lawyer and suing you for personal injury in the millions.