First, you are making a mistake keeping the tenant who violated your no-pet policy and hasn't paid their share of the rent ($50 a month).

Peter Vekselman himself is a joke and his partner Julia has no idea how real estate works, they sell this software and business model which leaves users in middle of nowhere and then they do not have a refund policy, any program who has no refund policy is basically a scammers group.

Economic base is also diverse (tech, education, government, healthcare).

Or if my landlord homeowners insurance policy will cover this?

Face it, it costs money to run a government and provide services, and have reserve capacities on standby to do things.

Joe These days a lot of local governments have the records online.

As in real cash backed by the full faith and credit of the United States government, however shaky that may seem ;)

However, how much they’ll see can depend on brokerage policies, so it’s worth confirming with them directly.Transaction Coordination: It sounds like you’re used to having a support system in place, so doing it solo may feel a bit different at first.

Now to address the ESA…  have an ESA policy.  1) use petscreening.com to screen out bogus ESAs.  

I got a $2M umbrella policy out of my homeowners policy.