Once you know that, you might exclude a lot areas that are causing you concern about insurance.

With uber insurers have been updating that exclusion and even charity drivers are being caught in the exclusion (driving a church member regularly to the doctor for no charge was deemed to be excluded in a GA court; State Farm litigated that one).

Obviously, I don't want to exclude my entire market, but I also want to avoid problem tenants. 

Exclusions from the act"The following categories of individuals and entities are excluded from the act and this chapter: (1) An owner of real estate with respect to property owned or leased by the owner.

What expenses are you excluding?  

Minors are excluded 

I generally exclude the roofs and water damage and use a 5% deductible reducing the premium about 40%.  

If not, why has this basic function been excluded?

I should add that the one option not really available to me is to sell for the profit...long-winded explanation excluded, but that is not really an option.

A benefit to you when you occupy a property for any 2 out of 10 years, is that the property increases in value over time, and you can exclude the capital gains from taxation.