So sorry to hear you kiddo was impacted by this. My D24 is living in a similar type of off-campus housing and we purchased a separate renters/liability policy because when I read what we would actually “get” if we went with the $15/month tacked on by owner liability policy I realized the gap.
Just one comment on your post, re: lesson #2. I would always advise my kids to just get out, and not worry about taking the time to pack up things. Fire can spread quickly (and it sounds like this one did). Yes, it’s a hassle to deal with replacing items, but the only thing that can’t be replaced is them.