Landlord's insurance would be necessary to protect the owners's property in the event of mishap but it would remain the responsibility of the tenant to cover their own belongings with tenant insurance.
The landlords insurance would cover the hotel costs if your apartment was damaged under a covered insurance loss. Your tenants insurance would also provide coverage as well.
Yes it would but if it were due to the landlords negligence his liability insurance would cover the loss. Your insurance co will chase the claim against his for you. Place a claim with them.
Yes, It is legal in every state. It's in your lease contract that you would have signed when you rented the place. Pretty much all landlords around the country require insurance now or you are not considered eligible to rent the place.
No, you would need to purchase an Insurance policy for your Rental Property. Sometimes referred to as landlords Insurance.
Not for the building fabric - that should be the landlords responsibility, but you would benefit from contents insurance (in case you are robbed etc.).
Who owns the washing machine? If it is the upstairs tenant and he has tenants insurance (as you should) then his insurance pays. The landlords insurance company would also pay and your insurance company will take care of it all. Let them duke it out. If you are the landlord and you did not require your tenants to carry insurance...does the word "fool" mean anything to you now?
health insurance personal accident
Most states do require that landlords obtain a business license.
Catastrophic Insurance is an insurance policy that is minimum coverage and only protects you in the situation of a catastrophe. There would be no need for you to buy an insurance policy like that.
There are many reasons to get liability insurance. All states within the United States require at least liability insurance to drive an automobile. Those in medical professions also get a liability insurance called malpractice insurance.
If you have a loan, probably. No loan would mean no requirement. Common sense though would require it. Adding it to your home insurance or renters insurance would probably cost pennies.