Imagine a visitor is injured due to negligence of the owner (i.e. landlord's failure to fix unstable stairways), then both of these coverage would be useful, right?   

Here is what I found: According to state laws (Civil Code § 1941.1 and § 1941.3), at minimum every rental must have:-effective waterproofing and weather protection of roof and exterior walls, including unbroken windows and doors-functioning plumbing, heating, and electrical facilities, including hot and cold running water and a working toilet and kitchen sink-clean and sanitary building and grounds (that is, free of debris, filth, rubbish, garbage, rodents, and vermin), with adequate trash receptacles-well-maintained floors, stairways, and railings-deadbolt locks on certain doors and windows-no lead paint hazards, and-no nuisances, a catchall provision referring to something that is dangerous to human life, detrimental to health, or morally offensive and obnoxious, such as allowing drug dealing on the premises.If I were you I would take LOTS of pictures and document everything.

There is a stairway and lockable door between floors.  

Stairways without handrails10.

You got stairways and high ceiling foyers / living rooms that are hard to get to for the painters - and it’ll cost you dearly when the time comes to paint. 

All new fixtures. 5000 Replace improper basement ductwork 3225 A/C coil and condenser 3200 Stairway into basement - bring up to code 2250 Washer/Gas Dryer (stacked) 1800 Paint throughout 1500 Transfer taxes 1200 New carpet - stairs and both bedrooms 1000 Gas water heater 800 new fridge 800 Exterior paint 800 Demo/creation of fridge location 725 Replace wood rot along roof line and cap with metal 700 Roof coating 700 new gas stove 600 Trim repair, doors for both closets, door for 2nd bedroom 500 Window blinds throughout 300 Minor siding repair - rear 200 New screens 150 Total costs 34200 Offer ALL CASH 21799

They did the exterior and the inner halls/stairways/laundry room for a total of $95, $10 of that for placing some new catch boxes outside.   

As for the removal of snow and ice, the Code provides that the landlord shall maintain all means of egress at all times in a safe, operable condition and shall keep all exterior stairways, fire escapes, egress balconies and bridges free of snow and ice.

If you want to avoid failing the first inspection here are a list of things to check: carbon monoxide detectors on every floor including basement, both photo electric and ionization smoke detectors present, all outlets are grounded or switched out for two-prong outlets, all windows and doors open & close properly and can lock, all stairways, porches, decks, and balconies have handrails that meet code, and all appliances, furnaces, ACs, stove ranges, and bathroom vent fans (if present) are clean and function properly.

He snapped on me because the 5 step stairway was too narrow and how could he ever move out large items like a couch.