It is definitely a pain in the neck, but you have to do it.

(falls, injury, death etc).

This is like asking a personal injury lawyer for an international tax attorney.

As a Landlord, see if you can get "Personal Injury Liabiltiy". 

I'd probably do STR with AirBnb in your neck of the woods.

When you do so, you may want to explore the costs of an umbrella policy to increase your Liability coverage.Also, If the new policy does not include Personal Injury (Libel, Slander, etc..) you should get a quote for that coverage.

This sounds like an albatross the seller is tying to hang around your neck and get $5k for doing it.

Then you are stuck with having to evict which is a time consuming and costly process, not to mention emotionally draining as you are going to be litigating against people you may have come to like and trust and whose personal circumstances are out of their control.Biggest issue here is that the bank will be less forgiving than you - they have shareholders and federal regulators breathing down their necks, so while you dilly dally with litigation evicting a family whose breadwinner lost his/her job, the bank is demanding you keep their payment current or they'll take the building from you.2.

Beautiful photos, despite the twist in my neck. :)Tip: Make sure to screen your applicants well. 

I'd probably go with a "boring" investment in your neck of the woods.