GC:  Sorry, you are just running scared.  The Professional Plaintiffs like linda hamilton,  have you living in FEAR.   I have rentals and I have a NO policy on dogs, cats, lizards, snakes, chickens,  whatever.   I have had people provide a side insurance policy covering any damages from animals and this works fine.   Also, a NO policy on Homosexuals,  Cigarette smokers,  POT HEADS, DRUGGIES, Lesbians, she/he's, he/she's, Trans-mutilated, poor credit, criminal record.  I only rent to MARRIED heterosexual BLACK, WHITE, MEXICAN, people of other colors,  Elderly, who qualify.  I have never been sued and I rarely have a vacancy.