I got rid of the thief, but they have given me grief ever since and only gave me half of the $425 deposit, refused to pay the rest.

Only alarm bell was the international country code but it's the UK, not Belarus or Nigeria. 

It is quite a pain when you have to run and make sure all tenants in six apartments haven't dismounted their smoke alarms.

How far apart the buildings are (farther apart, the lower risk of fire impacting multiple properties)5. what fire/burglar protection you have for the property (alarm, extinguishers, sprinklers, video monitoring, etc.)If you can get recommendations of agents who insure other complexes in the area that may be helpful in locating agents that can quote this effectively.  

Factors such as Proximity to the coast, Fire Protection of the town, age of property, construction, alarms, etc can change which company we use for Rental Properties. 

Those are sneaky types, I'd rater do business with a car thief who got caught and paid his dues and was trying to go straight than some sneaky operator. 

I think with any business there is always a liability I just think all we can do is our best due diligence to ensure that the property is as safe as we can make it (fire alarms, CO monitors, and a strong recommendation to get their own coverage) make sure the home is mounted in law and if you can go a bit farther then the requirements (if it is a little slack) and document that what you did and what the intent of the steps you took and the probable outcome. 

In the next week we will be trying to get our finals on hvac, electrical, sprinkler systems, fire alarms, ect..  

I know right now with rates in the upper 6s and low 7s instead of 8 now, there's an alarming number of people trying to buy since there's unknowns of where they go from here.

Bad stuff happens to good people all the time, you need to be proactive and plan for it, whether it's fires (we provide 2 separate fire extinguishers, smoke alarms,etc), or leaving bug spray  for tenants because you know tenants will be messy and bugs will come-- you need to plan to be proactive as a landlord.