Lawsuit from tenants for personal injury!

Owning a rental without a checkbook is going to be a huge pain in the neck.

http://nypost.com/video/airbnb-host-from-hell-shov...It appears airBNB offers a $1,000,000 insurance policy in at least 50 different countries (so she would be covered); the policy however doesn't cover willful acts of crime but apparently does cover certain types on injuries that occur on the property. 

Can you afford to sue and fight the unconstutionality of this town bully when if your jealous nosey socialistic neighbors complain to him, town and police state on you, for working hours in town, other made up codes like noise pollution or too much activity, too bright lights  too tall ladder etcAre you going to continue to keep ball and chain around your neck for fear of master slave owner aka unvoted unapproved town position of person enforcing codes not laws ?

I am a landlord and the homeowner next door is suing me for personal injury, claiming a leak from my property caused him to fall and break a leg on his property.

For example as a financial broker I have come across insurance companies that have clauses that if you have a stroke or are terminally ill or receive a critical injury you can receive up to 70% of your coverage.

That’s what I would’ve done if this situation was with me and here in my neck of the woods.

TI live in kc, and I have investors come to me literally every day leaving other city to have the returns here in kc. 12-18% cash on cash returns are a daily find in these neck of the woods, if you know where to look.

We have LONG term disability in case of a major injury/ illness.

How do you try to protect yourself from liability from fire, natural disaster, injury, etc. in the lease?