Luckily this small incident could have been much worse and becomes the platform for the changes you can make to enforce the renters insurance.

@Vinay H.undefinedWhile the 2nd Amendment idea works for being robbed at the time of the incident or in your own home, leaving staff members in the house to gun down burglars is not the reputation or press I am looking to get.

I heard people try to avoid claiming incidents. 

I do have a decent amount saved (55-60k), but was thinking I would put the minimum amount down to keep funds for any incidents/vacancies etc.

-How long after an incident occurs can a complaint be filed with the commission?

In Sept 2012 I now decided to move to a new insurance provider - insurance provider BSO now Fast forward to Jan 2013 I am served with an alleged dog bite incident that took place allegedly in July of 2012.Would this be turned over to the current insurance provider - Insurance provider B or the Insurance provider A - the provider who was providing the coverage at the time ofo the alleged incident?

An example would be a home where a police incident has occurred.

However, it's been two months since the last incident and my property still isn't complete. 

The other horrible part about this incident is that allegedly there were NO smoke detectors installed.

I do raise the issue with EVERY tenant at the time of signing the Rental Agreement, advising them of the types of issues that are generally covered, such as fire or flood damage from other units in the building or next door in congested housing areas; theft of their personal property from the unit and from their vehicle; losses due to extended power outages or failure of a refrigerator/freezer; and covering the rent for certain incidents.