My clients and I have used Cost Segregation Authority with excellent results. 

And behind the umbrella policy can be a complex web of corporations, LLCs, and trusts to protect you.Asset protection can get very complicated.

I expect turn over will be in excess of $5k.  

I add people to my credit cards as authorized users for a fee.

And renter was sent an itemized list of damages which is not excessive thankfully for me but she is mad she isn't receiving the full deposit back.   

So before you get ready to attempt to rip your Landlord a new one, first go take it up with the local taxing authority, then go have it out with the insurance industry, then gripe to the neighborhood HOA (if applicable), then maybe settle your disputes with Home Depot/Lowes and any and all trade contractors.

At the same time no matter how much excess insurance coverage you obtain, there will always be a policy exception for gross negligence and even negligence will likely be covered only under reservations of rights meaning the carrier can opt not to provide coverage. 

You may want to do some independent research on the respective Housing Authority website as well. 

If you can concretly tie increased usage to that unit, I would give a notice that rent is increasing due to excessive use.

I recommend focusing on getting a great investment property and disregarding Section 8 in that pursuit because any property can be a Section 8 property, but a lousy investment is lousy regardless of having a Section 8 tenant or not.Section 8 will perform a basic functional and safety inspection for your units after you have an agreement with a Section 8 tenant and your local housing authority.