Your home owner's policy would cover the damage after deductible.That's not true, "Personal liability renters insurance policies may cover bodily injury and property damage to others caused by your actions or negligence." - NationwideIf the renters insurance does not have the liability component, then yes it only covers their belonging, however if it does have a liability component, then it does cover other damages where the insured is found guilty or liability of damages, such as a fire, or water damage. 

Panels vary in size, but on average are about 16 sqft in size - 3+ x 5+, generally rectangular in shape.Maintenance cost is negligible for solar.  

Someone else's negligence becomes your problem, associations are often poorly run, and assessments can hit hard out of nowhere. 

Dude was clearly negligent!

I was told that the property insurance should cover it, but I am not sure if the tenant sues you for whatever reason that is property management related (such as negligence , discrimination etc), will the insurance company cover it?

You also may be able to recoup any out of pocket costs you incur from the tenant (either from their security deposit or by taking them to small claims court if the cost exceeds their security deposit), assuming of course they are responsible for the fire due to some sort of negligence on their part  

On the rental front; what if a tenant dies due to your negligence? 

Sounds like negligence on her part to not grab all the keys.

., be careful.if you end up being found negligent in these filings, causing harm to the seller, tou could have some liabilities.  

The rare cases where the landlord is held liable usually includes some sort of negligence on the part of the landlord, like failing to properly maintain a gate and the dog got out.