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I had renters who burned down my home, my insurance company is reviewing the case any advise? - renters insurance delaware

I have gone out of homeowners insurance coverage and that was enough, were the tenants optional renters insurance when they rent from me, but does not claim their payments. The insurance company said they needed to consider my application, because, if my insurance would cover, because I had informed the tenant miracle. My agent knew that I rent. I knew I had more policies they already have. Assume that the owner of the cover to protect the homeowner?