Yes, a realtor is your agent, but in a principle/agent relationship there is no exclusion to negligence.  

The bedroom ceiling drywall, one wall, and the bedroom carpet all had to be replaced.To be fair, the tenant had no access to the downstairs bedroom, but his negligence to let me know of the water leak in the upstairs kitchen led to extensive water damage.The insurance company said they estimated the damage to be $5,489.

The tenant can show that you've been a negligent landlord.

She unfortunately passed away as a result.You got a letter about a wrongful death law suit and a few other allegations of negligence -- the wrongful death just stood out. 

Perhaps there are some people in the world who are negligent enough about their affairs to forego insurance, too, because it might not cover them in some case.  

@Nayeem Khan I would not panic, no negativity, no negative thoughts, you had no mens rea, malicious intent and negligence has to be proven, and hasn't been done yet.

What clauses can be put to protect landlord interests, in regard to any additions, negligence, damage, inspection?

You'll get as much as 95% LTV, the refinance costs will be negligible, and you only pay interest on the money you use as opposed to paying interest on all the money.

I fired the realtor/agent because she was negligent in her duties.

Also that those repair costs don't affect the security deposit.With me living in the house with many people, if I find that a particular tenant caused a good amount of damage via general misuse or negligence, am I able to charge them for repairs to that appliance?