The shooting stabbing is several blocks over, but there are tons of burglary, robbery and firearm charges filed in that area over the past month.I am still in the initial phases of research about Philly and I liked their presentation, not sure if the reality of owning properties in higher crime areas will be worth it in the long run.

Personally, I've lived a majority of my life in California (Palms in LA, Richmond CA when it was bad, Oakland, Berkeley, San Jose) and there is always crime everywhere, theres consistently aggresive homeless people, car break ins, burglaries, muggings, etc, even in areas that are "nicer"a good example would be : the high rise I currently work in in San Jose.

However, he has was found guilty of a felony, burglary (no possession of a weapon), in 2009.

There was a vacant house across the street from me (in California) where my neighbors found a homeless person sleeping in the backyard overnight.Beware of the brazen daytime burglary.

The other tenant got after me for a burglary costing him $1,500 in damages.

ie. vandalism, burglary, rental property under construction, building code coverage.  

These are the things that always wind up missing in burglaries, especially for people who balk at $10/month for renters insurance.

Coverage: Fire, Hurricane, Tornado, Wind, Earthquake, Vandalism, Vermin, Lightning, smoke, hail, building collapse, Explosion, Leaking water, burglary.3.

In theory, a class A area in a hail zone would be more at risk than a class D area with the only risk being accasional burglary. 

We're filing a police report, and I was wondering due to the burglary being major appliances, should I get my insurance involved or just cover the replacements out of my rental earnings?