And yes the 2 hours we were in that store felt like 2 weeks - but at least we could bowl down the aisles without disturbing anyone.  

I'm able to sleep very well every night even I currently have a huge debt.

The question is what level of leverage can you sleep with at night?

Life is short, time is ticking away while you sleep, no one gets out of here alive, and the big secret that most people will never get their heads around is... there is no downside.

If you want to do a floating floor, you could glue a very thin plywood/leuon to the 9x9 tiles as to not disturb the asbestos.

If that hadn't been the case, then this particular building needed new mailboxes, the laundry room was having bums sleeping in it, so needed new security doors and a system, some of the exterior hallways needed to be cleaned up, and we had a lot more to go from there.  

Plus if it helps you sleep better, the few hundred for the umbrella policy is worth it.

I have major categories that are necessities, leisure, work, and then sub categories like eating, sleeping, social media, house searching etc.

Buy the amount of coverage that makes you sleep at night and pass cost along to tenant.

But, you'll always sleep better at night when you have some cash savings.