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

For example: A claim is made for hail damage to 123 Home Blvd. and you also own another property in a different city.

Things that may increase rates: The Fed says they will this week; inflation and covid damaging our economy. 

Are the subject properties actually in the wave of gentrification or are you pushing the line by a number of blocks?

Tell the neighbor to call the cops and threaten to report him for trespassing and damage to his/her yard. 

The carpet is in terrible shape and the kitchen countertops (white laminate) need to be replaced as they are damaged from the tenants placing hot items directly on the counter.  

I've got a couple places within a few blocks here. 

I was planning on having landlord insurance but should have some sort of insurance to cover (accidental or intentional) tenant damage (let's say the damage destroys the kitchen and I gotta pay 20K for a new one).

Yes NoHas any siding or shingles been damaged?

Also, what clauses, other than the standard ones can I add in the lease agreement to ensure the tenant does not damage the property?