if using a property manager generally $300k is the minimum but $500k and $1M policies aren't uncommon, more liability insurance is surprisingly inexpensive.

This is an uncommon style of house in the area but it is very southern and it would serve my purposes of incorporating an outdoor livable space that is protected from the elements and also helps to create a Thermodynamic breezeway removing heat from the house which is very important here in Florida.  

So what you experienced is not uncommon at all.

@John DanielsIt is not uncommon to have different interpretation of how the properties are listed, sometimes even on the same site.

It is not uncommon for tenants to allow other people into their homes to stay, for the short term or for the long term.That's why a solid rental agreement with clauses that cover Occupancy, Guests, and Unauthorized Occupants is essential.I would begin with a conversation with the tenant of record about your concerns and encourage voluntary compliance with the terms of the rental agreement, provided your rental agreement covers such. 

Normally, we try to avoid such arrangements, even in campus housing when it's not uncommon.

@Maneesh Joshi, water leaks often go for a very long time before detection so, again, this is not an uncommon situation. 

This is really not that uncommon.

HELOCs on investment properties are relatively uncommon.

It's not uncommon for listing agents to give builder's significant commission discounts if they get an agreement to list multiple properties.