Though accidents could happen, 99% of the time these issues that most people need to get policies for are due to the lack of common sense or for someone accepting responsibility for their actions. 

But again, make sure none of them will prevent financing.

Insurance is in the business of making money; protecting your pocketbook is a by-product, so they will do what they can to prevent a big payoff.

Example: the intention of Passive Activity Limitation (PAL) rules is to prevent high-income earners from reducing their taxes by merely investing money into real estate.

BP prevents me from putting their email in my response, but the email is in your confirmation email for the conference.

Here's what ME lease agreement stipulates for pests:(F) Pest control, after the first ten (10) days of the Term of this Lease, shall be the sole responsibility of the Tenant, including, without limitation, prevention and remediation.

It's worth a little money to prevent damage if they're being uncooperative.

You could assume the mortgage and then refinance, but does the home have enough equity to prevent you from making a downpayment?

Make sure you have your paperwork in place though to prevent ill-feelings or misunderstandings.

Normal wear and tear refers to deterioration over time from ordinary use, but damage like a large oil stain in the driveway from a vehicle is preventable and would fall under tenant responsibility.