Perhaps there are some people in the world who are negligent enough about their affairs to forego insurance, too, because it might not cover them in some case.  

@Nayeem Khan I would not panic, no negativity, no negative thoughts, you had no mens rea, malicious intent and negligence has to be proven, and hasn't been done yet.

What clauses can be put to protect landlord interests, in regard to any additions, negligence, damage, inspection?

You'll get as much as 95% LTV, the refinance costs will be negligible, and you only pay interest on the money you use as opposed to paying interest on all the money.

I fired the realtor/agent because she was negligent in her duties.

Also that those repair costs don't affect the security deposit.With me living in the house with many people, if I find that a particular tenant caused a good amount of damage via general misuse or negligence, am I able to charge them for repairs to that appliance?

She was my tenant for three years and was pretty negligent in the way she cared...or I should say didn't care...for the house. 

Even someone is coming from 500 miles away 1000 miles round trip in a car getting 25 mpg is only 40 gallons, so even $1 more per gallon is negligible. 

It currently says: "You promise to keep the premises in a neat and sanitary condition and to immediately reimburse the landlord for any sums necessary to repair any item, fixture, or appurtenance that needed service due to your, or your invitee, misuse or negligence. 

Checked with my attorney and he advises people suing small businesses usually sue the owner personally for gross negligence anyway.