Uk properties, unfurnished, fully managed, 12% gross to letting agent.
Insurance, up to date total rebuild cost, plus the usual stuff, plus public liability cover, plus some legal cover.
Not had any real bad tenants, you just need to be prepared to throw money at a situation, until it's fixed.
Can't complain, it pays for me to live here, and if all goes south at some point, places to go back to.