Tenant with electric car

[Anna Johnson]

We live in a 3 family house and one of our tenants asked a couple of months back if she could get an electric car and pay us $50 a month to have it charged up. We generally like to keep our tenants happy and care about the environment so we didn't think twice about saying yes, even though all utilities are included in the rent. However, a contractor stopped by to do some other work in the apartment and told us that if he was us, he never would have allowed it, she is parked right by the garage where it charges overnight and he told me that if this Chevy Bolt catches fire our house will burn down and we are liable for car and everything.

We obviously won't withdraw the permission that we gave, but what can we do to protect ourselves? We also didn't have her get rental insurance when she moved in but what difference would that make if we had her get that? Would it protect the car. Or should we just get umbrella insurance on the house? Thanks for any advice.