@Elias Hubbard ok, I think the issue is that your Home and Auto insurance carrier can not handle a mixed use building. 

I assure you, accidents happen and plumbing fixtures do fail so we're all much better off following good, logical codes.

If you’re concerned about guests leaving windows open those same thermostat apps/software I mentioned above can auto-set temperature in response to windows or doors being left open.

Another reason I'm glad I have smart thermostats is that I've had 2 guests this summer change the fan from Auto to On, wanting constant airflow I assume, despite ceiling fans in every room. 

In the contract verbiage it states that the PM company will not be held responsible for any accident, injury, death or damages in/on the property or surrounding areas that are resulting from the condition, maintenance or operation of the property.I am an out of state investor, so to know if there are any concerning hazards it would be from them notifying me.  

We use Streamline and can send auto emails. 

My List:- Auto Generated Smart Lock Codes (built-in integration through channel manager) - Set Smart Thermostat to Home Setting 1 Hour Before Guest Check-In (custom automation I created using home automation hub, channel manager, and digital automation platform)- Set Smart Thermostat to Away Setting @ Check-Out Time (another custom automation)- Whenever someone books/cancels, that information is automatically ingested into my database. 

Outside attacks (from your personal self-- like you causing a car accident and them coming for your assets); protect these with other insurance and a personal umbrella policy

Core cutters cut cable by accident in support of plumbers repairing drains.

Had an accident at the business, was sued for $3 million and had only $1 million coverage, just the S Corp., and no coverage for himself personally.