law suit on free and clear properties

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Hi,

I'm planning to start snowball payment of mortgage on my 3 duplexes and after going through some previous posts saw the major disadvantage is an impending lawsuit from a tenant. Are there any statistics on this? Is it just the fear of losing what you earned kind of paranoia? How common is this phenomena? 

I have umbrella insurance covering all the 3 duplexes.

[Kris L.]

In that ESA case, Chen (landlord) won.  Not sure if his counterclaim for  $14k in damages (attorney fees and lost rent mostly) was successful though.