As a tenant in an apartment complex, I was doing some research on my bathtub getting resurfaced because there's cracks in it.

If she resurfaces I will have a more accurate quote!

Still usable but could use a resurface.

Original hardwoods need resurfaced.

Rest of rooms and hall is carpet.On the hardwood I have 2.50 sq ft quote for 3 layers of resurface and finish.

We took some money out of our 401k remodeled the kitchen, resurfaced the hard wood floors, and painted all the rooms.

Some places are totally renovated but 2 out of 3 in the area are still similar to the condition of mine.I estimate $40K to repair and paint the siding, resurface wood flooring, update kitchens/baths, and other cosmetic fixes and updates. 

-http://blog.homedepot.com/diy-board-and-batten-wainscotingBathroom-Resurface/Refinish yellow tile to white, and leave the black, as black; -Leave the floor as-is, but clean and polish, to make it pop a bit more-Replace toilet, bath hardware, and sink hardware, partly because we pay the water, and we want water efficient items to drive down the water bill as much as possible;-Replace window if it has Lead paint-Remove curtain valence :-) https://thumbs.trulia-cdn.com/pictures/thumbs_5/ps...Bedroom-No planned changes-https://thumbs.trulia-cdn.com/pictures/thumbs_5/ps.97/6/e/e/8/picture-uh=bfef554726567a5541316d342924ad-ps=6ee830b24aa165c59eea61b0f12ee6d6.jpgFront Hall-No planned changes-https://thumbs.trulia-cdn.com/pictures/thumbs_5/ps...The other units have older counter-tops, so will update to Formica most likely, or whatever $700 can get us. 

For example:-The parking lot/driveway needs to be resurfaced -Water heater will need to be replaced-Pluming is currently galvanized which from what I understand will need to be replaced with copper -roof, etcIs there an insurance policy that I can get that will cover me for those maintenance/repair expenses that I foresee ?

Its bad framing in roof construction, roofer should have pointed it out prior to his re surface.