Read the lease
At common law, the landlord must provide habitable premises and the tenant must pay rent. If the landlord can’t or won’t then they are in breach and liable for damage the tenant suffers as a result. The fact that the root cause is a circumstance beyond either party’s control is immaterial.
However, almost every lease will define what are ...
Renters insurance typically only covers the tenants possessions, not the structure itself, the owner will need home owners insurance for that. Likewise home owners insurance does not typically cover rental tenants possessions.
It depends on location but usually you as a tenant have a duty to notify and the owner has a duty to repair. If the abode is not ...
Bob is a tenant even if he pays no rent (selling the property to your parents may qualify as consideration for the rent anyway) and is entitled to everything a tenant is entitled to including a livable home.