A Tenant Carelessly Drops a Candle, and the Resulting Fire

A tenant carelessly drops a candle, and the resulting fire destroys the landlord's premises. The landlord's loss is fully covered under the landlord's fire insurance policy, and the insurance company compensates the landlord for the loss. In these circumstances:

A) the landlord can recover fully from the tenant
B) the tenant will have to indemnify the landlord for any increase in the landlord's insurance premiums
C) the tenant will have no liability
D) the tenant will be liable to compensate the insurer
E) the tenant will be liable only if the tenant acted deliberately