Liability coverage within a renters insurance policy can help cover the insured if they are found legally liable for bodily injury or property damage to others. This coverage typically applies to incidents within the rented residence or caused by the policyholder’s actions elsewhere.
Liability claims can be financially devastating. Medical bills, legal fees and court judgments can quickly exceed a renter’s savings. Without liability coverage, the insured may be personally responsible for these costs. 
What Does It Cover?
Most renters insurance policies include personal liability coverage up to a specified limit. This coverage can extend to a variety of situations, including:
- Accidental injuries to guests in the home
- Legal defense costs if the insured is sued for a covered incident
- Pet-related incidents, such as a dog bite (depending on breed restrictions and policy terms)
Liability coverage does not cover intentional harm or criminal acts. Business-related liabilities are also typically excluded.
Renters insurance can also help cover personal possessions damaged by a covered event, such as a fire or storm. If the renter must temporarily relocate to allow for repairs after a covered event, the policy may reimburse them for additional living expenses, such as hotel and restaurant costs.
Enhancing Liability Coverage
Renters can often increase their liability limits for a modest premium. Umbrella policies are also available for those seeking broader liability coverage beyond the limits of their renters insurance.
Learn More
Contact Dixon Blackwood Insurance Agency, Inc. today to explore your renters insurance options and get a personalized quote.
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.