Find out somehow where their new address is (not sure how to find this out affordably), and file a lawsuit against them in small claims court and hope they pay or eventually get their wages garnished.2.)

If you fail to follow the rules, you may open your personal assets to a lawsuit.

It wasn't pretty. 30 years on, I can guarantee you I made every mistake there is and according to the lawsuits I was in, (which I won by the way), I made up a few they didn't even know about until I came along.

I have taken properties from companies that didn't even know they had been served in a law suit.

If you fail to follow the rules, you may open your personal assets to a lawsuit.

If you fail to follow the rules, you may open your personal assets to a lawsuit.

If you fail to follow the rules, you may open your personal assets to a lawsuit.

Besides buying proper house liability insurance and umbrella insurance, how else can I protect my assets against potential lawsuits and such?

Cities will either not be able to comply or select sites that are currently zoned and used for purposes other than housing.This can lead to more complications with lawsuits and other administrative challenges that in addition to absorbing time and money prevent additional housing units from being built.

As you make an additional $25/year in rent appreciation, your HOA + Property taxes + maintenance + these new insurance premiums + lawsuit risks, will consume your $25/year increase.