A person who works in real estate said to me that for practical purposes in cases where an owner rents out the property, if a tenant sues the landlord for anything the landlord is at fault, the personal liability portion of the landlord's homeowner's insurance would cover both negligent and intentional acts by the landlord. Of course, just as when a motorist causes an accident and injury to others for racing, speeding, or running someone off the road, their liability insurance will cover the damages but the insurance company may later drop their insurance or raise their rates. The person also said to me that homeowner's insurance companies are not interested in going to trial in cases where the owner is at fault and prefer to settle with the tenant. It seems to make sense.