You accidentally leave the stove on, which leads to a fire that burns your apartment along with the apartments of several of your neighbors. (calcas.com)
It may seem odd, but lightning storms can cause a lot of damage and also lead to fires. (rentersinsurance.net)
What about the cost of making required upgrades on the entire building if he has to rebuild part of it because your negligence led to a fire? (effectivecoverage.com)