I thought it was just the tenants property, and my liability policy covered any personal injury.

Keep all utilities, cable, HOA, in your name only and title of property.Either you put a ring on this girls finger.. or she'll end up ringing your neck down the road..There is no fair way of splitting expenses,, your gaining equity on property,,, and have tax write off's she won't.. so keep that in mind.

In my neck of the woods every time the fire department is called there will be a report ready from then in a day or two. 

. $200 spent today is well worth it compared to fire damage to the property and/or injuries caused by the fire.

I'm doing two new construction multi-family projects in my neck of the woods at the moment, and @Andrew Johnson isn't being hyperbolic. 

Big burly guys with neck tats. 

ARBITRATION OF DISPUTES: Owner and Tenant agree to mediate any dispute or claim arising between them out of this agreement, including personal injury.

In my neck of the woods, it's often a Frigidaire for refrigerators that landlords go for (through Lowes)...for a 3 bedroom house the 18 cubic foot one is popular. 

But then for a woman, I know that neck lines are usually lower, so even the collarbone area could be considered visible. 

For example, when you're in a car accident in Ohio with a police report that lists you as the not-at-fault party, you'll receive a piles and piles of mailers from personal injury attorneys.