For example; if their stove and hot water are on gas.

Including the time when we lived in a Fall Creek rental where we kept hearing weird noises in the walls that we figured were just squirrels nesting in the crawl space  ... until finally one night a huge rat squeezed out from behind the stove and ran around our kitchen while the kids and I were sitting there!

The current stove is less than 4 years old.  

We also added a countertop stove and oven.What was the outcome?

You may want to quote your auto at the same time to see who can give you the best combined pricing/coverage.Here are some things to look for from an Insurance prospective that my give you trouble obtaining coverage:1.Any in-ground tanks (active or inactive)2.Any Knob & Tube or Aluminum Wiring3.If built before 1978, does the building have Lead Safe certifications4.Any wood stoves or secondary heating units.

Is it the time of the year or $$ or missing fridge/stove or the PM?

We need to get all new appliances (fridge, dishwasher, W/D, stove, etc).

If your tenant causes bodily injury to someone else or they were at fault for burning down your property (left the stove on or something like that) their renters insurance would pay for it and protect you and your insurance company.

If you dont know and cannot get information, remove stove from the unit and dont put on in at all, and  rent it as a room not as a separate unit.

They are hard working appliances and do seem to break more often than a refrigerator or stove, BUT for ~$300 a replacement appliance can be swapped in using a used appliance store.