There are ways to make the Tenants Insurance primary and non-contributory so their policy pays first and your policy is excess coverage.  

One concern of carrying 2 policies on the same property is that most policies have " excess" clauses.

In your welcome brochure that explains the features of your house, just have a hot tub section, stating that excess use (keeping it on all day) would result in an additional fee to cover the cost. 

The blackouts aren't caused by excess demand, they are caused by the need to prevent wildfires.EVs charge at night, if anything adding them to the grid will increase utilization and spread costs out and lower prices by allowing the same capital expenditure to serve more customers."

Podio has many features for investors, but until you have an excess of leads and property options, it's probably not necessary.

Percentage wise, I target COC in excess of 20-25%, all my rentals have COC in excess of 30%.

You can get very cheap little moisture testers.

It may leak moisture through the cracks in the filler, as sewer gasses do contain moisture.

Any tenant with young children is going to create some damage but it is excessive.

AND they want you to have excess capacity above the ability to pay the loan itself.