This is why ARMs exist.

Some cities/insurers will have requirements like adding a safety gate around the pool.

Armed with those two items you should be able to determine what parts of the building you have to insure. 

This is critical for safety.

Any safety escalations concerning pets roaming in front and backyard of a shared building, impacting the neighbors' quiet enjoyment of their side of the property?

Should I just stick with the safety of the large lender? 

In the case of making extra mortgage payments, I still knew I had the money benefiting me for any future problems that might come along and would provide a wider safety net if my property for some reason stopped producing income for a longer period of time.

Here are my thoughts:As you already know, I will pay for any repairs, which includes fixing or maintaining the condo to address safety issues, and/or functioning.

Some landscaping, painting, making sure safety features are taken care of.

They are so receptive to you and welcome you with open arms.