How Much Landlord Insurance Do I Need? -

Landlord insurance protects you in the event that your rental property suffers a significant financial loss due to a fire, a severe water leak, or a lawsuit. But how much protection do you really require? 

What exactly does a landlord policy cover (and what does it exclude)? And how can you get through the fear-based emotive sales pitches to the substance of what you need as a real estate investor?