My investment house is in danger! Our tenant is careless, causing burns to the carpet, walls, and has even?

caught her curtains on fire with an unattended candle. I'm scared to death that the next time will be be it. I have to make sure I have proper insurance, and what I can do. I have called the courthouse about evicting, and they say as long as she pays her rent I'm stuck. I have a landlord policy on the house, and I have required her to get a renters policy. Any other ideas? Can anyone tell me what would happen if she caught the house on fire again and it was more catastrophic? I'm PANICKED!