In fact, Title 2 CH5 TPC section 5.085 covers this. 

My question is what insurance do I need to have to be covered for this property? 

Seller get $282k, buyer pay $300k.Option 2: Contact price $282k, the term change to buyer cover agent fee.

This also would include if your spouse has W2 though, so maybe you have this angle covered but didn't post about it 

The torn and missing window screens should be replaced. 9.

@Robert BurnsWe use ScreenTheTenant.com for the tenant/buyers tenant screening. 

Even if I were to pay or help cover the cost of remediation in the home, it would likely re-occur due to source being the neighbor.

If you are over 200 miles from home all expenses are 100% If you are just eating lunch in between stops it is not covered.

For my personal property, I aim to have enough reserves to cover "a new AC unit" per property should all of our AC units go out at the same time.

None of this covered by title insurance b/c seller won't allow it to be required for close.Next was the task of trying to talk to someone at the auction company who understands the import these issues have on the value of the property.