A. The landlord’s insurer pays for the damage to the building, and mine pays for the damage to my property.
B. My neighbour’s insurer must reimburse all damage caused.
Each insurer will compensate its respective client for the damages caused — the landlord’s insurer for the ceiling and floor, and yours for the TV and dresser. The insurers will then ask the neighbour to reimburse the sums paid to their clients. Answers A and B are therefore both correct, but ultimately, the neighbour’s insurer will cover the costs.
This is a situation where you and your neighbour both benefit from being insured. In your case, your TV and dresser will be repaired or replaced quickly and without your having to worry about whether your neighbour is insured or able to pay. Your neighbour will benefit from being insured by not having to pay out of pocket for the damage to the building and your possessions.
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