Personal liability insurance for renters is a standard part of a renters insurance policy that can help pay for damages, injuries, or medical bills if youre found liable. It covers eligible damage and injuries that happen to other people or their property, but not damage or loss of your own property. Personal liability coverage typically starts at a $100,000 limit for claims or lawsuits, but you can usually choose your own limits when purchasing the policy.

Personal liability insurance for renters can protect you if another person is injured on your rental property or something a renter owns is damaged. It may help pay for another persons medical bills or repairs to their property if youre found legally responsible for their injuries or property damage. It may also help cover your legal expenses if youre sued over an incident that occurs in the place youre renting.

Suppose youre found liable after a guest falls down your stairs, your child accidentally throws a football through a neighbors window, or you cause a kitchen fire that damages the home youre renting. Personal liability coverage may help protect a renter in these types of situations. Injuries to people or damage to their property must be accidental and unintentional.

A typical renters insurance policy includes $100,000 of personal liability coverage to go along with your personal property protection, but you can usually choose your own limits when purchasing the policy. Most renters liability policies provide a minimum of $100,000 of coverage for accidental bodily injury to others and damage to others’ property. You may need more liability insurance depending on your income and other assets.