Hi all, Are you familiar with an insurance product which covers landlords against legal threats and lawsuits from tenants, which are _not_ related to injuries and liability?

She did not have any injuries.  

To add insult to injury she and her boyfriend left a small junk yard out on the tree lawn and I was cited for it by the City of Cleveland, Ohio.   

Even with that clause, I do not typically charge the tenants unless I can prove they caused the blockage.A clear case would be they flushed a rubber duck or a tooth brush down and that lodged inside the neck of a toilet. 

Major car repairs, cut in work hours, medical bills, day care, injuries all expected events will have a huge effect on them paying the rent on time. 

I know it's not easy to stick your neck out and say, "I need the lease.

If I am not representing a buyer, I am still neck deep in their transaction to make sure my Seller can expect a smooth closing.  

I want my tenants to change their own bulbs if they can be reached and this sounds reasonable.I also want to make sure my places are well lit (read: hazard free) and I don't want to encourage them to do any work that could lead to an injury.

Looks like you’re in my neck of the woods.

Keep in mind this is probably advice to follow the lemmings and you will almost certainly waste your time and money pursuing it, but this is what you need to do.First, and most important, consult a personal injury lawyer.