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

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

To my knowledge, guests also have trip insurance. 

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

Yes, I require renters insurance.

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

I generally prefer higher since I don’t plan on putting in small claims, it’s basically just for catastrophic loses and the savings in premiums over multpiple properties for multiple years should balance that out if I have ever have to use the insurance.

@Chungying ChuIf you want more liability coverage, ask your insurance company if you can increase it.

Some people will say, "Take out a quality Insurance Policy and you will be protected."

As Shawn mentioned above insurance is going to be a HUGE deal in Gainesville as well as HOA's.