To do this I found its best to start new game using the landgaarb family. ( I think they're called that), anyway its the family in the house at the very bottom right hand side of the map. Once created, go to build & buy, delete top floor then on lower floor delete all interior walls/doors sell furnature (by now you should have a ton of money they already start at 75,000 simeloneons) then carpet it throughout and buy as many football tables as you can afford or fit into the now large room, position them equally as you can. Then save your game. Then use firestorm karma and wait and watch as the fire spreads. 4 football tables is enough for the insurance amount but just let the fire burn out. Be warned It can glitch! Sometimes you do it and the trophy doesnt show (it happened to me more than once) if this happens just quit and re load game and repeat firestorm karma. Good luck!