In most cases, the landlord is not responsible for the tenant’s loss unless the landlord is negligent.
If the property comes with a refrigerator and it breaks then the owner is responsible for repairing it in a reasonable time but not for replacing the tenant’s lost food. This would be considered something that is not preventable by the landlord.
If a landlord failed to respond to repeated requests to fix the refrigerator because it was not operating properly, and then it completely fails, this could create liability for the liability because the failure to respond and try to fix the refrigerator before could be construed as negligent.
Some tenants feel that the landlord is responsible for all of their personal belongings in all circumstances, but this is not the case.
The best practice is for the landlord to respond to maintenance requests in a timely manner and for tenants to have renter’s insurance to cover their personal belongings–typically including groceries.