I just finished my first BRRRR and that process was a little annoying with creating the scope of work, capturing and uploading receipts, getting a wire to cover the costs, etc.

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.

I am afraid that I will blow my cover this way lol?

Can try to reposition to Class B, but neighborhood may impede these efforts.Vacancy Est: Historically 10%, but 15-20% should be used to also cover tenant nonpayment, eviction costs & damages.Tenant Pool: majority will have FICO scores of 560-620 (approaching 22% probability of default), many blemishes, but should have no evictions in last 2 years.

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.

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.  

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