The change in rates for the same 15/ 30 year note should be fairly negligible. 

Should be enough to cover any lawsuit except for personal negligence.

The tenants knowledge of the existance of the location of the heater in relation to the placement of their couch then proves they acted in a reckless negligent manner and contributed to an unsafe condition that could have created a fire!

The Memphis property was owned by a couple of out of state investors who were relying on an incompetent property manager and a criminally negligent contractor to steal anything and everything they got their hands on.  

Renter's insurance only covers the renter's belongings, it doesn't protect you from being sued for negligence of having a pool on the property.

Even if you have hired contractors to do the work, house is in a LLC, and an umbrella policy in place I bet it will make you nervous thinking all that equity could be up for grabs if an attorney can prove negligence. 

I'd tell him that I understand his client would have to prove he injured himself on my property because of my negligence and that is going to be pretty hard to prove.

I'm sure in some areas there are people who raise the average- especially cities where they push the rent strike narrative and aren't evicting for months giving non-payers fuel to be negligent. 

Management companies will have insurance to handle attorneys, but that insurance will also generally provide that the client (the management company) cannot be acting in gross negligence or otherwise breach of duties, i.e. the insurance company is not going to pay to defend you if you are doing wrong and know/should know you are doing wrong. 3.

I like to assume negligence instead of malice.