Has plastic blinds so no cloth curtains to worry about there. 

They'll all just tell you they're smoking outside and it must be on their clothes, etc.  

And I'm old enough to realize that even though I don't have anything very fancy, when you look at replacing your furniture and clothing and pots and pans and bedding, let alone your electronics, it sure adds up in a hurry.I have never needed my homeowners or renter's insurance policies, but I would never be without them.  

What isn't safe is putting every dollar into clothes, rims, neighborhoods as a status symbol so the Jones's think you're ok.Bless them. 

All great insights already here Winn, but if you are able to oversee the painting, there are some ways to help with this often unavoidable turn over expense....For example, this time insist on some high end paint (think specialty paint store or the very best big box stuff); try a pearl or washable finish; I like one color for all the interior of all my units, ideally a white that can hide some imperfections (know and keep the code); this means no color or matching mystery later; then on the next turn over, see if you can't get away with just a wall cleaning; use a damp sponge mop with tsp or a tsp substitute  (and then rinse it with a clean water and a damp sponge mop)..not too much water, just damp.. 

When I was in the Marine Corps, We had about 10 dryer's that were not drying clothes.

If they just have stuff all over the tables and clothes on the floor, or overflowing hampers, I wouldn't worry about it.If you want to do maintenance, and she's not being cooperative, then you'll have to just give her notice of when you will be entering, whether she's home or not, but she's welcome to be there, if she'd like.  

She left clothes and pans in her unit but all furniture is gone, fridge is empty.

Volunteer for a local non-profit, and not just in the food line or handing out clothes.  

Wear clothes!