Understanding Personal Liability Coverage in Renters Insurance

Renters insurance does more than cover your belongings. It also includes financial protection for situations that involve legal or financial responsibility, making it an important consideration for anyone leasing a home or apartment.

What Is Personal Liability Coverage?

Personal liability coverage in a renters insurance policy applies when you are found legally responsible for injury or damage to another person or their property. It may help pay for medical bills, legal fees or repair costs that you might not be able to manage on your own.

Here are examples of situations that may be covered:

• A guest trips over a rug in your rental home and breaks an arm
• Your child accidentally breaks a neighbor’s window
• Your dog bites someone at a park
• You accidentally drop and damage an expensive item while visiting a friend’s home

What Else Does My Renters Insurance Cover?

Renters insurance usually applies to events such as fire, smoke damage, theft, vandalism or certain types of water damage. These covered events, often called perils, are the situations that may trigger your policy to respond and provide financial support.

In addition to personal liability, renters insurance typically includes the following types of coverage:

• Personal property coverage may reimburse you for damaged, destroyed or stolen belongings such as clothing, electronics and furniture.
• Loss-of-use coverage may pay for temporary living expenses like hotel bills or restaurant meals if you must relocate due to a covered incident.
• Medical payments coverage may provide limited coverage for medical costs if someone is injured in your rental space, no matter who is at fault.

Contact Us

Vela Auto Insurance makes it simple to learn more about renters insurance and how it fits your needs. Our friendly agents can discuss the details of personal liability coverage. Contact us today to explore your options.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.