Normally, any and all retirement accounts are except from litigation if an individual gets sued, so all of my IRA/pension funds are protected.

It's there to protect your other assets not like normal insurance were it covers you for a certain amount of loss.

I saw Total Protect for one, they are cheaper but I don't know anyone who has had experience with them.

I've seen leases that state in the event of early termination a liquidated damages clause protects the landlord.  

Maybe...... as the new owner of the property, they may have a right to bring the foreclosing loan current to protect their interest.

I am sure at some point there was good intent behind these protections but this is ridiculous.

I keep reading post where most investors suggest attorneys to review or draft contracts for compliance, legitimacy and legal protection. 

In California the laws regarding security deposits are strict and the California rental law book that I purchased awhile back talks about how to word the lease to tailor it to protect yourself.

The cousin also called Children's Protective Services about how she was treating her son.

Realistically I would like to keep my eye on the areas in midtown and it's outskirts where the Wayne State police will be under its protection.