Google his name and see if there're some accidents mentioned. 

Recently, I had an accident that caused me to lose two fingers on my right hand.

Insurance companies, and this includes umbrella policies, will deny or challenge your claim especially if the damage / claim is high and based on negligence or any fault of your's, READ your small print and don't think you are so good at landlording that accidents won't happen.

Found this off market property by accident.  

If you get suckered into clicking one by accident you'll get swept off to a paid site :)2.

@Chris Mason,You know good and well how loan processors, U/W, closing dept. and everyone in the loan process feels about sale prices that end with oddball numbers or even worse, the ones that end with cents.You know how the margin of potential errors goes up when ordering appraisals, title and all the other tasks that require employees at lenders to manually hand write or type in a sales price like $550,998.18  and they accidently write or type $550,989.18  instead of the realtors simply taking the common sense initiative to simply negotiate another $1.82  and make the sales price $551,000.Then the time and effort it takes these hourly employees at Banks to correct the price someone entered wrong and how it can cause delays in the process trying to obtain the CTC.   

She sent me a picture of a bath spout that looked like someone accidently knocked it down.

Insurance payout if there was an accident on the property, umbrella policy would pay beyond what primary insurance didn't pay.Take care of your property and your tenant and it is unlikely that you would be sued.I have heard that people move the deed into an LLC all the time as the property is still secured by the mortgage that you signed.

Requiring renters insurance protects you from expensive renter accidents, injuries that occur on your rental property, and costly lawsuits that can easily pop up in the landlord business.

Accident or not it was fortuitous.