Personal Liability Insurance

Personal Liability Insurance

Many people assume because they rent, the property owner has insurance that will kick in when disaster strikes. While they may, in fact, have coverage that protects the structure itself, as a renter you have no coverage under their policy. A renter’s policy is essential for protecting your personal belongings, but if your rent personal liability is just as crucial.

Renters Personal Liability Coverage

While you may think you don’t need insurance because you rent, that couldn’t be further from the truth. Let’s say you have friends over for some Sunday football watching. And one of your guests trips over the coffee table on the way to the restroom and breaks their leg. While of course, it was an accident, it happened in your apartment, and you could be liable for their medical bills. But having the right renter’s policy in place could help you cover these expenses.

The good news is for a relatively low premium, sometimes just a couple hundred dollars a year, you could have up to $100,000 of financial protection for claims or lawsuits made against you. Liability insurance provides coverage when you cause accidental bodily injury or damage to someone else’s property:

  • When you are in your apartment
  • Caused by your personal activities including sports
  • Or caused by your children and pets, and we all know they have a mind of their own

Renters isn’t just for those who live in apartments, but more and more apartment owners are asking for it. It’s just as important if you rent a home, townhome or condos. For example, let’s say you are trying a fabulous new Pinterest recipe that you found, and things get a little bit out of control, and before you know it, you have a kitchen fire. The damage caused by this small, accidental fire is up to you to repair. The right renters’ policy can help you cover the damage.

Another great benefit of renter’s insurance is that you can bundle it with an auto policy for discounts on your annual premiums for both policies.

Don’t Forget About Medical Payments

The second type of liability coverage in a renter’s insurance policy is medical payments to others coverage. The renters’ insurance policy usually can pay up to $1,000 per person for necessary medical expenses. Typically, regardless of your legal responsibility when a covered accident on your property involves bodily injury to others. It may also provide coverage in other situations as well. Higher amounts of coverage are available.

To learn more about renter’s liability coverage, contact the experts at or call 1-888-255-8688. Our licensed insurance experts will be happy to answer any questions you may have.

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