Well really it all depends on the lease agreement she and nick signed. When I read where the house was located, I did a google search and I was suprised. It is within about 10-20 blocks of where my aunt and uncle lived in the 50s in Little Rock. I would think that there wasnt a mortgage on the house by the owner. That part of town is pretty old. Then again, the owners could have been recent purchasers of the house to use as a rental property. I will ask a friend that does multiple state real esate and see if Ark is different.
Normal here, is same as others have said. Owner insures the structure and renter insures personal property.