[FICO]

That is not how insurance works, or rather, people don't just insure against malice perpetuated by untrusted actors.

Example: Say I rent out my house and an electrical fire breaks out. Insurance company says "you were using the premises for commercial purposes at the time of loss and your policy does not cover commercial activity. We won't cover the fire damage." This is a very real possibility you'd find yourself in unless you specifically bought commercial/landlord insurance.