-- If the worst case happened and it just didn't rent, would floating the expenses for this property change your quality of life in any way (For example, would paying your mortgage, buying food/clothes, etc be affected)?

Lets say the house catches fire they are going to fix it and as a bonus you usually get lost rent if it is included in the policy but they don't have to pay the tens of thousands to replace your belongings that were burnt or smoke damaged like clothes, electronics, or personal items. 

Dishwashers, stove, refridg, and cloth washer and dryers.

We also did a little extra by moving the clothes washer connection that was in the kitchen to the utility room where the dryer was.

They were everywhere - up to my neck, under my clothes.

It actually was causing issues of molding on the tenants clothes I was told.

Tell him it has a past history of this type of pest, and you are looking for a current assessment and a quote.I know if they are there, they can get on your clothes (hide in the seams), and then end up in your car, and then in your own home.

I'm a business owner in men's tailored clothing.

That means they may have trouble paying for other necessities like food, clothing and medical care. 

It wasn't without issue - some visible mold that we traced down to an overly damp basement and some foundation crumbling from a bad patch job.