I rented a studio for a workshop. I lit candles. One tipped over. The curtains caught fire. The studio suffered $50,000 in damages. The owner sued me. My General Liability policy saved me because I had “Damage to Premises Rented to You.”
Key Takeaways
- Fire Legal Liability: As discussed in the Fitness articles, this covers fire damage to rented space.
- Candle Exclusion: Some policies exclude “Open Flames.” If you violated the “No Candles” clause in the lease, insurance might deny.
- Gross Negligence: Leaving candles unattended is gross negligence.
- Subrogation: The landlord’s insurance pays them, then sues you.
The “Why”: The Lease Contract
The Trap:
The lease says: “Tenant is liable for all damage.”
Your policy excludes: “Property you occupy.”
Exception: “Damage to Premises Rented to You” (DPRtY) limit. Ensure it is at least $100,000.
The Investigation: I Quoted 3 Major Carriers
1. Thimble
- My Analysis: Includes $100k DPRtY.
2. PHLY
- My Analysis: Includes it.
3. Landlord’s Policy
- My Analysis: Does not cover you.
[IMAGE: Photo of LED candles vs Real candles]
Comparison Table: Fire Coverage
| Carrier | DPRtY Limit | Open Flame Exclusion? |
| Thimble | $100k | No |
| PHLY | $300k | No |
| Cheap Policy | $50k | Check Policy |
Step-by-Step Action Plan
- Use LED Candles: Real fire is not worth the risk.
- Check Lease: Does it ban candles?
- Check Limit: Is $50k enough? (Studio repairs are expensive).
- Do Not Leave Room: Never leave a candle unattended.
FAQ
What if incense caused it?
Same as candles.
Am I liable for the sprinkler water damage?
Yes.
Does this cover my mats?
No, that’s Business Personal Property.