You also want to be able to switch coverage on the fly between a property being vacant, occupied or under renovation as sometimes you might experience a longer vacancy than expected during a turn or have to do a more major renovation after many years.Also, all "personal" policies and "personal umbrella" policies have what is called a "Total Pollution Exclusion."

Pollution.

Require General Liability, Workers Compensation, Business Auto, and depending on what they do, possibly Professional Liability and Pollution Liability2.

To me it is just a waiting liability as the land gets polluted or some kid drowns.

Worse, we had some guests who didn't know what they were doing and dumped dead ashes on the bluff leading to the lake (pollution issues). 

It may be no further action today, and in 5 years the standard changes and now your site is documented to have a pollutant like benzene that causes cancer at the level you have test results for.  

What's your opinion on the crime rate/schools/noise/pollution?

These carbon credits might provide some additional income for your farmland if your tenant farmer is willing to utilize (USDA) best practices for land management in an effort to reduce emissions/pollution and increase carbon sequestration. 

The quality of life in the Bay Area has deteriorated tremendously over the last 10 year in terms of traffic, pollution etc.

I hear more about water pollution in that section of the New River, honestly.