Imagine having a tenant having a leaking toilet or letting the house run for months, not paying the bill then splitting on the bill leaving the landlord stuck on the hook for thousands or even 10s of thousands in water bills that have to be paid.

If they live there they have an opportunity to view he property however they may not know about the roof if there is no active leak.

., etc....and even with lots of skill and preparation, things will still go wrong (vacancy, plumbing leaks, bad tenants, etc.)

Are they even cover the roof if there is a leak due to the panels?

., etc....and even with lots of skill and preparation, things will still go wrong (vacancy, plumbing leaks, bad tenants, etc.)

I have no background in dealing with insurance companies and I feel like when I've spoken to agents I'm either getting conflicting information or I'm not explaining myself well enough.While I understand the policies are different:If I have a rental property that has a sewer line break/leak/backup, etc.

We've also had so many incidences of pipe leaks in the past from the attic so I will be happy to avoid those in the future. 

A second home for an 800 credit score borrower with 25% down should not go from a 4 to a 10% risk in less time than a new iPhone model to drop. 

Found a great deal but I did notice a crack in one of the walls probably 20-30 inches long and a spot where it looks like there may have been a leak at some point.

The only headache is the COA, which has significant costs and the building is poorly maintained (roof leaks and bad projects via special assessment).