Note, even if insurance pays for all the damage your property suffers, you still lose.

One source of cities to avoid is Neighborhood Scout's 100 most dangerous cities.Disaster Risk - Some parts of the country suffer frequent natural disasters.

In either case, all of the rest of my tenants who pay their rent and live up to their obligations would have to suffer for the one or two that can't/won't pay or do right.

That changed after I had a tenant, after the tragic death of his live in girlfriend, suffered a bout of depression so severe that when I visited him, not only was the lawn not mowed for over six months, but looks like he didn't have a haircut, shave, or bath for that long.

Most leases will contain something like this:If Lessee fails to pay Rent, or otherwise Defaults under this Lease, Lessor may use, apply or retain all or any portion of said Security Deposit for the payment of any amount due Lessor or to reimburse or compensate Lessor for any liability, expense, loss or damage which Lessor may suffer or incur by reason thereof.I would not expect to give it back in this case, because essentially they have broken the agreement, but again it depends on the language of the lease you've had them signed whether they are "entitled" to it or not.

It was once said that I had suffered the trials of the damned.

Regarding the rent question, if the market dips a lot and demand suffer, rental income can dip too.

Just like in San Francisco...they get priced totally out of the Housing Market and they suffer.

One source of cities to avoid is Neighborhood Scout's 100 most dangerous cities.Disaster Risk - Some parts of the country suffer frequent natural disasters.

The E&O carriers have suffered significate losses as a result of theses Business Email Compromise frauds (BEC) as the FBI calls them and so have changed the language of the policies to exclude the loss except for the rider.