Title: Tenant’s Insurance 101 | TD Insurance
Headings: What is Tenant's Insurance?
What is Tenant's Insurance?
What Does Tenant's Insurance Cover?
Do All Tenants Need Tenant's Insurance?
If My Landlord Has Home Insurance, Will That Protect Me?
Will Tenant's Insurance Cover Personal Liability?
Home Insurance Offered by TD

Content: Will Tenant's Insurance Cover Personal Liability? If someone slips and falls in your apartment, breaks his/her leg and now cannot work for a period of time, tenant's insurance could protect you financially from this personal liability. Keep in mind that coverage depends on whether you are seen as the liable party, or if the landlord is seen as liable. If you have to pay for damages from a cooking fire that damaged your apartment and adjoining apartments in your building, tenant's insurance could protect you in this case, too. A typical tenant’s insurance policy provides coverage, up to a limit, for the amount that you would have to pay in the event you are found liable for damages to others (liability coverage). You can often buy extra coverage to increase the limit of your liability coverage. Here are a few basic terms to understand when it comes to tenant's insurance: All-Risk means your property is covered against any loss or damage, unless specifically excluded from your policy like intentional damage. Contents means personal property (in most cases) in your home that you own. It also covers contents that may be temporarily removed from your home – like when you travel.