<prompt> Human: I have renters insurance bundled with my car insurance for an extra 9month.I know that renters insurance covers personal items if the place were to flood, burn down, etc, but does it cover much else?What about damages to the apartment when I am at fault?Liability if a guest gets injured?I am asking because I accidentally left a bottle of concentrated sanitizer which had a small leak that I wasnt aware of on my counter for a couple days. This left some permanent damage on the counter. Theres an outline of the bottle and a couple smaller, fainter splotches. I did some research and this is, in fact, permanent damage. It ate through the top surface.I know this is my fault, but is this anything my renters insurance might cover?Also, does renters insurance work at all like car insurance where my accident will lead to increased rates?What should I do in my situation? Any advice is appreciated, thanks!Edit: Thank you for all the feedback! This is kind of what I expected and Im prepared to pay the damages.  <response>: Your policy should outline what is covered... read it! If you have questions about your policy, call and ask.But no, minor damage like this is not covered. The policy covers your belongings and your liability, not the apartment itself. 