In addition,  if I later decided to rent apartments as a Landlord, I might also want to seek the protection of an LLC, along with the additional Insurance Expense.

Responsible for setting the tone of the landlord/tenant relationship, responsible for providing safe and suitable housing, responsible for enforcing the lease, responsible for protecting your investment and ultimately responsible for making your tenants happy!

In some states if you are dealing directly with the owner, instead of a listed property through an agent, there may be laws to protect the homeowner.

The title company (or escrow or however settlements are handled in TX) should protect you.

I've been to multiple homicides where the bad guy was stopped because someone had a weapon and wasn't afraid to use it to protect themselves or someone else.  

I have learned a lot about how to handle it if it does happen again, and also about how to structure future leases to be better protected in the future.

If these folks have lived there for a while maybe they are just a little control freakish about protecting their complex - especially if the last person was deviant and there are a bunch of renters - they probably have been through a lot and have to stay on top of things.  

I write the liability portion two ways an OCP (owners and contractors protective) which covers claims relating to construction.

I am wanting to make sure I provide myself enough protection.

Because of using your real name and other info. to form an LLC and it being recorded in the system so the government will know you're doing some type of business and tax you accordingly, I feel that having a land trus...