storm, tree falls on car, who pays?

[Jennifer Minge]

Big storm came through here the other night. A tree fell and landed on hood of tenant's car and knocked out the windshield. Some other dings on 2 other cars also. Tree was not a dead tree, it was a healthy tree that got uprooted in the storm. These are older cars and tenant only have basic insurance coverage and does not have insurance coverage for damage (there is a technical term for this but cannot thing of it right now).

Who pays to repair the damage to tenant's car?

Tenant's car insurance.
Tenant's renter's insurance.(possibly they don't have)
Landlord's homeowner's policy.
Or something else

Thanks for the advice.

Jennifer