I doubt anyone would be able to opine on what percentage of insureds suffer a claim. 

Level the ground, add an inch of gravel then play legos tomake them fit neatly. no mortar no pins but plant appropriate above- trailing rosemary, and perennials for you climate.Where is this?

If your tenants get barbecued from a basement fire  caused by your unpermitted electrical work or suffer any injury living in a space not zoned for occupancy, your home and freedom are likely being taken. 

Almost all of our guests bring dogs and we've suffered $30 in damage in three years.

Is there a plant or other industry that has shut down?  

Fresh plants and flowers and attractive displayers can be shockingly expensive and if they want that level of attractiveness they need to pay for thatI’m sure others have better insight but hopefully that’s somewhat helpful

Once you start making exceptions, you make yourself more likely to suffer and/or lose in the event you end up in court over it.

You start with a conversation (or two), then a warning, then a formal demand, then expulsion, lol.I generally tell tenants that they are allowed to have small plants and patio furniture on patios and BBQ’s must be at least 5’ away from the structure.

LandscapingThe overall property needed new mulch for a fresh look, brushes trimmed and some removed, and new bushes/shrubs planted.

Using an online title search company will only expedite the process since most of these records today are recorded and indexed online (Title Plants) and easily accessed on the web, and usually same day.