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Sorry to interrupt the cocktail party. I thought you were discussing whether the only available insurance for tenants covers the kinds of events that the OP raised. i.e. his building. It doesn't seem to matter what requirement is written into the lease - if there is no insurance that...

Not mine. I have renter's insurance called Home & Contents Insurance with Suncorp. The detailed PDS in section called "What is not covered under any part of your policy" is 8 pages long. The very first statement is - "We do not cover loss or damage: Anything you don't own." I...

But it was an accident. That just means that it's an unplanned, undesigned mishap. Yes, it was caused by negligence, same as most accidents whether they be traffic or things burning on a stove, but the result was an accident.