are there a lot of answers from a landlord?
Once I lived in an apartment of school, and it was caught by fire. I didn't
buy any rental insurance. And the school claimed the fire was by arsonry
after a couple of months involved police investigation (but I doubted it
might be kind of the school's excuse). But the point is the school claimed
no responsibility by any means with the prove from police, but it reimbursed
all of our loss, generously.
We did try to seek free consulting from a lawyer, and she said definitely
they could make a lawsuit, but we ended up with the kind of settlement.
I don't know laws, but from my experience, there must be some point the
landlord's responsible for your loss.
Don't get frightened by a lot of above replies. You lost all your stuff, you
have nothing. and the landlord will definitely get reimbursement from the
insurance company (I doubt he didn't buy home insurance). Talk to a lawyer,
get some free consulting, if he thinks there is money to make, he will like
to have a case. At least show your attitude to your landlord, you shouldn't
have all your stuff lost and then walk away silently.