In the event that a claim is made against you or you are sued as a result of a covered occurrence, your renters personal liability protection can help to cover the associated legal costs and related damages. Most renters policies provide $100,000 (minimum) of financial protection for covered accidental bodily injury or property damage to others.

What Is Renters Liability Coverage?

In the event that a claim is made against you or you are sued as a result of a covered occurrence, your renters personal liability coverage can help to cover the associated legal costs and related damages.

For example, if a visitor accidentally trips and falls in your apartment and breaks a leg, your renters insurance policy may be able to help protect you.

Most renters policies provide $100,000 (minimum) of financial protection against covered liability claims and lawsuits brought by others for accidental bodily injury or damage to their property:

• While in your apartment.
• Caused by your personal activities, including most sports.
• Caused by your children or pets.

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