And renter was sent an itemized list of damages which is not excessive thankfully for me but she is mad she isn't receiving the full deposit back.   

At the same time no matter how much excess insurance coverage you obtain, there will always be a policy exception for gross negligence and even negligence will likely be covered only under reservations of rights meaning the carrier can opt not to provide coverage. 

If you can concretly tie increased usage to that unit, I would give a notice that rent is increasing due to excessive use.

The 1920s in Florida was a time of excess, immense wealth, and precipitous collapse.

Your HOA will likely keep increasing and because of the excessive heat, roofs get replaced more than in other areas and if the HOA is not super liquid, that will come back to you in the form of an assessment.

So maybe that's stacking savings, maybe paying down debt, improving FICO, or maybe it's raising capital, whatever, the details don't matter because there is 101 flavors out there, all that matters is what is your 1-Thing NOW, do that, THAT alone, with fanatical focus like a fat-boy on cake!

If there are excess losses, Citizens can surcharge all policyholders to help pay for the claims.If you have a long term rental, it is a viable and affordable option, but it should never be construed as the best option. 

California charges a minimum tax of $800 a year per LLC, and more if you have gross receipts in excess of $250k.

Complicated rooflines, modern details that require a bunch of steel framing, excessively large great rooms, spa-like bathrooms, etc would push you into the $1,000-2,000 range.  

Pigs get fat and happy, hogs get slaughtered.