Tenants liability insurance, also known as personal liability coverage, is a standard part of a renters insurance policy. It can help pay for things like property damage, bodily injury, or medical bills if you’re found liable. For example, if you accidentally cause a kitchen fire that damages the home youre renting, personal liability coverage may help protect you in this type of situation. It may also help cover your legal expenses if youre sued over an incident that occurs in the place youre renting.

Typically, renters liability insurance covers damages to other people’s property and other people’s injuries that you’re responsible for. It includes things like medical bills, repairs to property, and legal expenses. A typical renters insurance policy comes with $100,000 of renters liability coverage, but you may need more depending on your situation. You can purchase additional coverage by increasing your renters liability limits.

Its important to note that a landlord insurance policy usually includes liability protection for the owner of the home or apartment, but it wont cover injuries or accidents that occur in your unit. Therefore, renters should consider purchasing renters insurance, also known as "tenants insurance," to protect themselves and their belongings.

In summary, tenants liability insurance is a type of insurance that can help protect renters from financial loss if theyre found liable for damages or an accident. Its a standard part of a renters insurance policy and covers damages to other peoples property and other peoples injuries that youre responsible for.