Of course, when you rent out your dwelling you can't be totally blamed in case of a claim. In this perspective, Optimum has designed a special endorsement you can add to your actual dwelling insurance policy.
The Optimum advantage
Optimum understands that some situations are beyond your control!
For example, if damages arise out of cigarette related burns or are caused by vandalism committed by tenants, you will not be held responsible. It is the same thing for any loss caused by wood or coal burning appliance.