[MRM]

Lots of bad advice on this thread already. I assume this is Ohio? To paraphrase my favorite philosopher, Clint Eastwood, negligence ain't got nothing to do with first party property insurance coverage. However, unless Ohio is unusual, a landlord's insurer can't seek indemnification from the tenant. I don't know whether an insurer can in Ohio, but I'd be happy to look into it a bit and write a letter to the insurer for tenant pal. The insurer's better avenue is against the power strip manufacturer, but for $8,000, no company is going to start a products liability claim.

In general, every state certain assets are exempt. Usually about $4,000 equity in an auto, a few thousand in personal property, and a little for retirement accounts. Through a quirk of federal law 401(k)s are exempt property but Keoghs, self-directed IRAs and ROTH IRAs are not.

I have no idea what Ohio's laws are. The preceding was not legal advice. Anyone who is intelligent enough to be able to read my post is deemed to be too intelligent to act on anything I wrote. Consuming information in this thread within 30 minutes of a meal creates a drowning hazard and swimming is not recommended until you awake from a nice long nap. If you are still reading this post without your head splitting in two, you are advised to check out some old Monty Python skits on YouTube where you might actually receive some helpful information.