If it is not decent quality to begin with budget for replacing. 

Quote from @Joel Bechtel: The agent I spoke with has about 30 years of insurance experience, so I’d hope she knows what she’s talking about and what she’s offering.I have another policy with Allstate for my 6-unit property, which they were able to insure for approximately $890K because the replacement cost came in under $1M.

If you feel like you need to add any more protections or things like a general expense sheet for replacement you can add those addendums and usually they have a blank addendum. 

Kitchens, Appliances and relocating plumbing for revised kitchen layouts, adding in-unit laundry etc. are what generally drives these apartment renovation budgets assuming the mechanicals don't require complete upgrade or replacement. 

I replaced the heater and the problem persisted.

So I would caution everyone to make sure the replacement cost for your improvements will realistically cover your actual replacement cost in the event of a total loss.

I don't have it replace common sense or creativity but simply have it do the things im already doing 10X faster! 

Then BOOM, the HVAC unit goes out week two of a tenant's lease, and has to be replaced quickly.

While automation and calculators can certainly improve efficiency and reduce human error, they can’t replace the judgment gained through repetition and real-world experience.

The whole project cost about $2000-$3,000.Since this project was simply replacing planter boxes and adding gravel to an already graveled area (I did change the layout)...