Quote Quoting Skyemay
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Do I have any recourse against the tenant
If you can establish that they negligently installed a wood stove, and negligently left it burning causing the garage to catch on fire, yes. (Do they have jobs or money to pay a judgment?)
Quote Quoting Skyemay
Does the tenant have recourse against me for the loss of their cars and stuff that was in the garage?
If they negligently installed a wood stove, and negligently left it burning causing the garage to catch on fire, and the court accepts that you didn't approve installation and didn't even know the stove existed, no. This would be "all their fault".
Quote Quoting Skyemay
What about my insurance agent, do they have their own insurance for this kind of mistake?
You would have to ask your insurance agent what coverage he has. I hope they step up and cover your loss; if not, consult a lawyer.