There have been, and still are, claims that Ebola can be easily contained by the health care system in the US.  

And then of course, you add a "personal umbrella" over everything.The issue that I learned years ago after becoming a real estate investor and after spending months searching for the "right" coverage and company, is that this leaves your personal assets wide open due to you commingling "business" activities with personal, creates limitations in the way a liability claim may be adjusted and paid and also doesn't even save you money.  

Are you actually dealing with a law firm or a broker who claims this is what he/she states?  

Another option you have is to obtain a quit claim deed from the previous owner.

This week, the Los Angeles Times published a front page story claiming that Orange County’s Asian American population is the third-largest in the U.S., behind  second-ranked Santa Clara County and first-ranked Los Angeles County.

Filing 2 amended returns that simply reduce expenses claimed will be obvious as the original returns are still available.

If there is a slip and fall claim made by a biz customer, the tenant biz policy will defend you, greatly reducing the likelihood that your policy would pay any part of the liability claim.   

They claim to have good data, but some of what you are talking about might not be available more often than the 10 year census so make sure to check the data sources.

I am always a bit skeptical of home warrenties anyway as I know a lot of people that have tried to make a claim and either never were paid or were only partially reimbursed.As far as actual insurance goes, on a rental property you should be more concerned with liability and damage from events such as fire, flood, wind, hail, etc. 

It then goes on to say the previous owners filed bankruptcy, and the insurance company STILL hasn't paid (claim filed in 2008...surprised, anyone??)...