Yes title insurance would cover those issues but you will only get title insurance by paying all the bills that the title company finds.

I'm preparing to take a tenant to small claims court for unpaid water bills in Baltimore City.

Learn more about the art of exchanging equity, and it can be very powerful.

AND as long as individual power and water meters.  99.9% chance this is all illegal and only one power meter and one water meter which makes it difficult to rent to 3 different tenants. 

San Francisco and California are very tenant-friendly, so you should have the power on your side in this.

My job doesn't have the best work/life balance and it's something we're hoping to change using the power of real estate.My wonderful partner and I want to focus primarily on multi-family dwelling rentals using a buy and hold strategy. 

Also what worked better for you, a set fixed price for utilities every month, or simply splitting the bill (ex: half and half) when it came?

I intend to bill water back to tenants later on to increase revenue for about $600/mo.

Her crap is still in my place, but she has not lived there for 3 weeks because they shut the power off on her.

Owner pays water bill up to a certain amount.