Surprise it is losing you money you just don't see it yet.Many investors start by accident and like you the vast majority do not make money because they are poor options as a rental.

I was fired when I called in late from the hospital after a motorcycle accident.

War Zone, that term wasn't created by accident.

We were married until June 2005 when he was killed in a car accident by a drunk driver.

What is their responsibility, that they have renters insurance that cover liability due to pool / accidents, and who is responsible for maintenance, etc.

These would not just be normal "damage" that could be seen as an accident, this would be taking a sledgehammer to a wall or glass etc.most states including indiana have laws on the book that describe criminal mischief, and basically says any person who intentionally destroys property, can be held criminally liable.

Emails and voicemail messages to get deleted by accident, etc. once in a while. 

These are a few that comes to mind: Damage to the apartmentPets, especially those that haven’t been trained properly, can scratch doors, chew up furniture, and have “accidents” on carpets and hardwood floors.

This protects you from accidently commiting any prohibited transactions.

It is the gravy at the end if you are lucky enough to live to see it.You will get very tired very quickly in this business if you are not making any money and it will all be for not if you die in a car accident the day the mortgage is paid off.Investors expect a return on their investment.