My question involves landlord-tenant law in the State of: Minnesota

While driving to church last Sunday we happened to notice that the garage at one of our rental properties had burned to the ground and was still smoking. On our way back from church the tenant was in the yard so we stopped to chat. He indicated that he had been out in the garage the night before using the wood stove???? but had gone into the house to get a pail from the kitchen and put the fire out before going to bed. Evidently not, since the garage is gone. They have no insurance and 3 of the their cars burned up along with many items in the garage including a pool table that they claim is worth over 10k.

The wood stove comment was a surprise since there wasn't one in the garage when we rented the house to them and they did not have our permission to install or use one. The police report states the fire was a result of faulty venting of a wood stove.

This gets worse, my insurance agent dropped the ball and didn't bind coverage on the property, I have notes and they admit that they received all of the appropriate info back from me but the underwriter at this point is not receptive to binding the policy with the fire loss.

Do I have any recourse against the tenant? Does the tenant have recourse against me for the loss of their cars and stuff that was in the garage? What about my insurance agent, do they have their own insurance for this kind of mistake?