[AlotOfReading]

You can buy home repair insurance if you want to transform unexpected repair expenses into predictable monthly payments. It's a bad idea for exactly the same reasons renting is worse:

Someone else has to approve repairs and contract the labor.

My experience with corporate landlords is that they're incentivized to maximize income, which is emphatically not the same as keeping you renting the place as long as possible. Realpage for example optimizes for higher income at the cost of turnover and lower occupancy.

[bombcar]

The sweet spot is a landlord who used to live in the house and still considers it “theirs” and trusts you as a steward, so they repair quickly (or even trust you to get the repairs done and send them the bill) and don’t want to deal with vacancies.

They’re more common than you’d think.