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Our RTA states (yes, it's canada...but they really are similar) that a tenant must take care, and any damage whether thru willful or negligence, the tenant is responsible for...also includes their guests.It also states it must be kept in a state of normal cleanliness.You might not be able to...

Why should the LL put another claim on his insurance, for something a tenant did? The LLs insurance premium will be increased. Might not be this time....but the more claims a person makes, the higher the premiums.

Agreed. This is what you can use your tenant insurance for....yes it is available.