Damage to Rented Premises (Damage to Premises Rented to You) used to be known as fire legal liability. The fire damage coverage that is provided under Damage to Premises Rented to You applies only if you are legally liable for the damage.
Property damage expenses are covered (subject to coverage terms) under the general liability, each occurrence limit (i.e. $1,000,000). It covers you, the insured, for 3rd party property damages that result from your negligence.