He was “disabled “ from a car accident .Was a bad experience .

Also, with law suits, addendum is they key to protect your property, otherwise it leaves you at risk of slip and fall accidents, etc.   

A tenant had lived in the building for several years a 1st floor unit,, she had bad accident.. she loved living there, the family hired a contractor to put in everything she needed to assist in her daily living,, including a cement ramp to enter and exit the building... she was disabled, wheelchair bound, yet able to transfer and mentally able to act on her own behalf, and was also able to have a dog, due to companion needs.. 

You will want to consult your attorney so you do not create a tax event on accident.

Insurance will be covered, home, auto, life, health, accident and savings with annuities.

I ask them if they will be giving me cash, since that is what I want.Then I inform them that all offers have to go thru my attorney since the accident where I hit my head too hard.  ;-)  That USUALLY ends the conversation shortly thereafter.  

I suffer with awful credit and an eviction due to a horrific marriage. 

Regular insurance covers you against storms, fire, burglary (maybe), small accidents, etc.

The returns are horrific. 

I heard an attorney claim that real estate was the most litigated area for liability, I bet that is a stretch tying slip and falls and medical claims to the real estate, Yes, all accidents happen on planet earth, doesn't mean the property owner was negligent.