That protection is nice, but doesn't cover negligent acts, and certain things will put those buckets together (like having two LLCs that use the same bank account and can be argued are really only one business).

When I do execute my out of pocket is negligible. 

NDNC are worthless unless your wealthy enough to litigate them.. which most are not.. also any listing agent that would let someone who has not proofed up to buy.. get into contract is pretty negligent in this day and age.And any buyer who would let someone tie up a MLS property only to mark it up and try to make a middle man fee is pretty clueless as well..

Fires are possible but this doesn't mean you were negligent.

This is especially true for me when I list homes in the 400k or over range as at that point the marketing cost of the photos is negligible compared to the potential commission. 

Typically concrete cracks are considered to be hairline up to 1/8" width and considered negligible.

Insurance will cover no matter how negligent I am, correct?

You have to be negligent in some capacity for liability to fall on you.

In that case, the tenant can just work with the mowing companies insurance company.If you chose to hire non-insured people do work on your property, then you are liable to cover the difference here.Landlord is responsible for who they select to do work, but not responsible for what they do, unless the landlord can be proven negligent in their selection.

Anything you can think of to avoid negligence claims is a good idea.Happy InvestingDerek Dombeck