In article ,
mm wrote:

On Thu, 31 Mar 2011 00:21:07 -0700 (PDT), Evan
wrote:



Tenants are responsible for insuring the contents of their units
(their furniture, clothing, small appliances, etc.) which are not
provided by the landlord...

It depends on whose fault the fire was. I doubt it was the fault of
all the tenants or a group of them. More likely one of them, or
lightning, or much to the disgrace of this newsgroup, possibly Mr.
ransley.

I'm with Evan here, tenants are responsible for insuring their own
stuff. This is so well-established that short of the landlord being
caught intentionally torching the place I doubt that a tenant or his
insurance company would ever win a suit against anyone else for loss of
personal possessions.