However, insurance is limited because it only protects you from one type of liability: accidents/negligence.

Hello John and welcome to BP, probably the best accident you had was finding it.Contact @Michael Sherwood he runs a local BP meetup and property management company. 

@Salvatore Lentini hey recently came in to credit card debt due to a bad accident, 6,000.

NYC is a horrific place for LLs and there is a contingent of DSA (Democratic Socialists of America) politicians that are trying to make it even worse, end goal being no private property.

Newbies who accidently made money flipping will go bankrupt.Stocks are not bad per se.   

In Tampa that meant that I had to find multi-family rentals that made me a few hundred dollars a month each, over above the PITI and unforeseen accidents and occurrences.

Then one of my investors from Florida was a firefighter, he was in a fire accident and was on permanent disability, He bought 40 Acres in the area I started in that was Sandy Valley 45 minutes from Las Vegas.

Airbnb is trying to put lipstick on a pig here, and it's no accident that this experiment in taking place in a place like Oregon.

I got involved in PM by accident really, but am so glad I did. 

The lack of counterspace immediately adjoining the stove increases the probability of accidents.