Tell me you move the goalposts without telling me you move the goalposts.
Homeowners don't file insurance claims to hire plumbers. And sorry but filing work orders or insurance claims is never going to turn into a full time job for a individual homeowner.
If you're talking about property management of multifamily complexes yes that's a job but when you spread that work out among all the units it turns into minutes of work.
And like I said, all this "risk" would be easily affordable if the tenants weren't paying rent.
You are so adorable, you really think landlords make billions because of how hard it is to pick up the phone and talk to an insurance agent.