My house that I rented burnt down
This is exactly why I encourage all of my tenants to get renters insurance. At a cost of less than $200 a year, I can't see any valid reason not to have this coverage. Additionally, if the fire marshal determines the cause of the fire was the fault of the tenant, there's nothing to keep the landlord's insurance company from coming after you; and the landlord can't do jack squat to prevent that either. Whereas with renter's insurance, the renter (or ex-renter) is covered.
