I'm no longer in VT. ;-)
Without a question. Deep pockets draw sharks and insurance companies are easy targets.
Like medical malpractice suits, it does provide justification to over-protect.
Sure, but the insurance company is going to want to go overboard.
What inspector isn't going to be on the buyer's side?
IME, they *will* find something, if for no other reason than to justify their expense.
Agreed. Lawers are cheap compared to the alternatives. Unfortunatly, many aren't worth much more than "going naked".