The insured negligently caused a fire to his own rented area. It was paid under the landlord's property policy and now they are subrogating against the insured tenant. The insured's carrier is saying that, even though "fire legal" is part of the CGL policy (now referred to in the CGL forms as "Damage to Premises Rented to You"), the Other Insurance clause states it is excess over other insurance and they will not defend the insured in the lawsuit nor indeminify the landlord. Is fire legal liability coverage primary or excess?

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