They are definitely responsible for starting the fire, whether utilities were on or not.If tenant has insurance, they should file a claim.

It’s time to look into home owners/rental insurance.

To my knowledge, guests also have trip insurance. 

Including monthly obligations and who will pay them, etc.

The won't insure you or they will jack up the price considerably. 

I have recently switched my insurance from home owners to landlord policy.

Yes, I require renters insurance.

. ;-)If the seller tells their agent not to bring certain types of offers to them, the agent is obliged to follow their instructions.However, I've also been told that an agent has a fiduciary responsibility to present all offers if not told otherwise.

This can put a significant strain on your finances and cash flowThey also often require a large down payment themselves and may have a strict repayment schedule that can be difficult to meet, especially if there are unforeseen circumstances or delays in renting the property or generating income from itIn addition, relying on this type of loan may expose you to higher financial stress and the possibility of default if you are unable to meet your loan obligationsThe final decision depends on your overall financial situation, risk tolerance, and your ability to manage the associated costs and obligations

We use Hiscox for our insurance with our business, not sure if it works for property but its worth a try.