That's not to say it may not be easiest to simply tell the tenant insurance won't allow it (which is very likely the case) and was sort of implied in my post, but I think it's ludicrous to be afraid to ask the the question. 

This implies your cash flow will likely be more negative than my example.  

I know the government implies this will be "over" soon, but what they means it full lock down will end.

Also, contrary to popular belief, an “Additional Insured” is ONLY afforded liability protection under the liability portion of the policy and there is no coverage whatsoever for physical losses resulting from such things as vandalism, theft, fire, wind and hail, and so on.A PM trainer by the name of Judy Cook had some interesting points: Yet it seemed to be more beneficial for the PM company to be listed as Additionally Insured so to help focus on accomplishing the task of defending against a tenant suit.http://judycook.biz/additional-insured-vs-addition...So additionally insured seems great for commercial property, commercial business, endeavors but could be confusing for Landlords.  

RE is indeed an outlier from your example, but in more ways than you implied.

In Arizona, like most other states, lack of hot water violates the implied warranty of habitability.

Are you implying that the market is very scarce for a good long term buy and hold?

That being said, I think it is unfair to name individuals at BP and imply some type of fault.

And by using the term "young professional", it's inherently a Fair Housing violation since young implies discrimination against old. 

I don't know your individual situation and I'm not sure if you are implying this is the first time you are setting out to invest in real estate or not, but based on your original post I'm guessing it is?