Also check with her insurance company to see if her policy has rent protection.

But that's what he told me.The section in the title policy that the Zoning attorney cited under the "covered risks" section:"The violation or enforcement of any law, ordinance, permit or governmental regulation (including those relating to building and zoning) restricting, regulating, prohibiting, or relating to:the occupancy, use, or enjoyment of the land"The Zoning Department is saying that the garage use violated the city ordinances.

I meant what type of insurance policy should I get for my investment property

After I got a few of these I flipped the service 180 degrees and simply lease-mandated that any house that had grass length approaching the Lucas County / Toledo City 6" limit would get a 24hr notice from us and then be mowed by us with a $50.00 fee applied...tenants could call and have a scheduled basic mowing performed for $25.00 if they didn't have a mower or the time to mow.Conclusion - the middle road decision was a good idea ultimately, that policy has survived three years now, no problem.

On the insurance claim where they deducted for depreciation, is it recoverable or is your policy ACV (Actual Cash Value) only? 

Is the easiest way to protect a cosigner in case of your death a life insurance policy?

My insurance State Farm said they don't cover that kind of policy.  

Thank you @Andrew Ware for the reply; to your following pointIf the unit wasn't damaged, the owner typically would leave it as ishad I continued to be a tenant and said yes to granite top installs I would not have been charged for laminate replacement; the management was already ok installing granite tops before I moved out and after I moved out they did the same (infact i've seen many other units upgraded when tenants moved out)I guess what I am trying to ask is - "is it a fair housing policy to treat moved out tenants differently vs existing tenants";

Send 2 a letter saying they do not qualify because your policy states that tenants must have a clear eviction history.  

If LLC owns it, then I have a 2million General Liability policy.