I have 6 total rental units:* 1 SFR in Pasadena, CA* 1 SFR in Barstow, CA* 2 SFR's in Mansfield, TX* 1 Duplex in South Gate, CA I'm interested in growing my portfolio by leveraging some of the equity from these properties....I basically own these properties almost by accident and just being "lucky"... so while I own 6 units of investment income, I don't feel I know very much and could be doing more to grow more quickly.

Liability insurance to cover claims or lawsuits resulting from bodily injury/property damage to others caused by an accident on my property2.

Good thing I discovered BP by accident. 

I started this way by accident.

I almost feel inclined to go with what the natives suggest.Had anyone done this in a c-class neighborhood and was confronted with horrific situations after the fact, extreme damage, mishandling of the appliances or even theft?

I typically go after mis-priced REOs that are underpriced perhaps by accident or lack of knowledge by the listing agent on the unit, and that allows me to offer list price or higher and lock the unit under contract. underbidding in current market for REOs usually doesn't result in success for me within first 30 days of a listing. good luck.

Same as if you leave early around 3 p.m. or later around 8 then you skip the high times unless an accident on the freeway. 

I got started (again) by "accident" (it wasn't planned) in 2012.

Of course it's horror fiction, but it's about a family that moves into a house on a busy road, and accidents happen.

If it was truly an accident then your policy would pay out to the limits (hopefully you have more than $100,000 in Liability coverage!!)