that is, when I sell it future, I assume I have to declare this incident, so will the appraisal be lower because of the incident?

You get the protection of each property is then separate from the others.A incident on Property #2 LLC will only effect it then and keep your other properties in the clear.

Incident occurs where a claim is filed - two insurers, how is that going to play out?

Since people keep bringing up Italy's numbers, let's look at a flu study done on Italy:https://www.sciencedirect.com/...Highlights•In the winter seasons from 2013/14 to 2016/17, an estimated average of 5,290,000 ILI cases occurred in Italy, corresponding to an incidence of 9%.

But here are some additional policies I added to the lease after my own "pool incident":(e) No wading or swimming pools of any kind may be used, set up or operated on the Premises.

We live in New Hampshire, the tenants lease is up in March 2021, And other than this one incident we’ve had no problems with the tenants in the two weeks we’ve known them.

Before that happened he assaulted her (he was convicted over a year after the incident and is currently serving his 25 years before he can be eligible for parole). 

I have had a similar incident happen with a tree trimming contractor but it didn't go anywhere. 

He never mentioned the incident to anyone nor did he file a police report.

I hope he moves out without incident.