Very personalized services individualized to each client are becoming a necessity for setting an agent apart from the crowd.

Good WIFI is a necessity as I need to be able to work from wherever whenever.

Again, you need an attorney to help you assess the merits of the plaintiff's claim (as in were you at fault, the necessity of the medical treatment she needs, her pain and suffering, etc.).

As they say, necessity is the mother of invention!

For example, I only invest with CAP rates of 10% or higher, and figuring out the CAP rate beforehand and knowing my bottom line is a necessity. 

This avoids the necessity of collecting any type of refundable fees and potentially losing the contract.

Like you I have seen my fair share of litigation over the years and one thing is absolutely certain.. is you will be named in the action.. no matter what LLC trust etc you have it in.. and unless you have multiple arms length partners in these assets the plaintiffs lawyer will take the position that these are just alter ego's etc.. at the Very least you will spend mucho dollars trying to get the personal names removed.So to me personally the liability policy is a sleep well necessity.. now it seems you are focused on cost and your portfolio which is not very big and your only talking about 1k a month not sure what the heart burn is there its just another expense.. would you be happy or think you were getting value if it was just 750 a month..

It is expensive, but a necessity for air-tight homes to get the right amount of fresh air exchange in the house.  

However there was a house here in 1989 it burnt down, the water lines have been there for over 10 years, so this is simply a prescriptive easement, not considering the possibility for an easement by necessity.

I agree with the first part, but there is not a strict necessity to have a C corp, double taxation for what benefit?