Honestly, this should be your policy in any state, not just NY.

Absolute worst case if you have no other options do you have a whole life policy you can loan from or a 401k loan etc, not ideal but an option. 

Lastly, that I should get an umbrella policy for asset protection. 

Roommates are not protected under Federal policy, but may be under local or state laws.

I think a non eviction in winter policy already existed in Seattle. https://www.seattletimes.com/s...

There are insurance policies that will cover those assessments in some cases but I don't know specifics.

The house is 100 years and original electrical..and found some foundation issues...all windows except one are sealed shut...for your safety she told me today...I was like really now...the house it made of that lighternot..not sure of spelling there.. but has joked that if it were to ever catch on fire to run...I by no means want to cause trouble , just feels so unfair ,knowing I've got craniotomy (brain surgery in a few weeks) so why make me move if house was took down off market at all...idk..just very aggravating ordeal...I know all that is not her problem but never dreamed she would do this...she's been one pushing me to go thru with it and now it's at point where I have to..can't put it off...but thank you for the advice.

@Ryan Stockman What is your policy regarding co-signors?

To anyone living in Leavenworth, Kansas-- Does the city have any fees or policies associated with it? 

Russell, a while back you recommended Christian Oropeza for landlord insurance policy who has since opened his own shop and he has been fantastic to work with!