Owner pays water bill up to a certain amount. 

From your experience in the Phoenix market, how much do you usually budget for electric, water / sewage, and garbage on a per unit basis?

Does water pipes , Water heater or water tank etc gets covered by them normally?

My main concern is lawsuits due to accidents because of this associated water source.

Knowing that the building was high on a hill, about fifty feet above the water, I started doing research and found the following, which was later confirmed by my lender that we did not require food insurance.In my case, just because a properties address is designated in a flood zone, there can be buildings on the property that do not require the insurance.

My rule is problems related to temperature, water or fire all get immediate attention.

In fact, things like smaller stoves & water heaters are more expensive than full-sized if you need them.2.

NOT MUCH.. but it does keep from having call backs and if there is a water landing they know they have insurance.. at the end of 10 years our builder warranty is up.. and then on top of that I Pay 30k up front for a project policy that covers all the houses in that particular community for 10 years as well.. this is for 1 mil and basically its used to hire attorneys if we get sued for builder defect.so in essence on a new build we are paying on the 25 house communities we built the last two years total of 50 homes.. about 110k in insurance to cover us for 10 years.. the issue is the subs get sued first then the GC then me the developer  but subs being subs 6 years from now they are out of business or moved on so then its the GC's insurance then us.. 

I just moved to columbus OH and heard about this from my local REIA (COREE).I plan on going and once again face my fear of large social events from under a table :)

Water/sewer alone are eating up $500 per month, which makes all the difference.Any input on the numbers and what you might consider doing would be appreciated.