I let a lot of stupidity slide, but this endangers people.

IDK, maybe I am just a lone decenter, but it feels like a complete flip of foundation and premise and that what it was that built this is now an endangered species. 

Sorry realtors, didn’t want that to endanger any future commissions you may receive.Everything is negotiable ...especially at the table ...

While the Master Policy sounds interesting, and you can explain the advantage to me, what I want is exactly as you describe the umbrella policy, increased liability coverage so a suit on one property does not endanger the others without having each in separate LLCs with all the ensuing paperwork and cost that entails.

If she insists on staying, tell her she'll have to accept it as it is unless something major breaks that makes the home non-functional, endangers the health/safety of someone, or is causing further damage to the rental.

Failure to disclose certain life endangering issues may be considered criminal.  

Tenant agrees to not allow any personresiding on the premises, or any guest, or invitee to use controlled substances(including alcohol and prescription medications) in a manner that will eitherdisturb the peace and quiet enjoyment of other Tenants or neighbors adjacent tothe premises; or endanger the health, safety, or well being of Tenant or anyother person.GUESTS.

If they are creating a fire hazard that's first and foremost your call if it's endangering your property or other tenants property.

The foam insulation insures that any possible dust from the nail penetrations is contained and therefore does not endanger the applicators or anyone else.  

I seriously doubt the credibility of a serious investor who would sell his knowledge, to create competition, and endanger his livelihood.