Title: Renters Liability Insurance: Learn How It Works | Trusted Choice
Headings: Can Renters Liability Protect You in Court?
Renters Liability Insurance
Can Renters Liability Protect You in Court?
(Here's exactly how everything works)
What You Should Know About Renters Liability Claims
Why Would I Need Renters Liability Insurance?
Won’t My Landlord be Responsible for these Charges?
If My Visitor Is Injured, Won’t Their Medical Insurance Cover It?
Will Renters Liability Insurance Cover My Legal Fees?
What If I Don’t Have Any Assets to Protect?
What if My Liability Coverage Isn’t High Enough?
Make an Informed Decision on Your Renters Liability Insurance

Content: Many tenants believe that their landlord’s insurance will cover the costs of liability claims and lawsuits, but this is not always the case. Landlords are only held responsible if the injury or property damage resulted from their failure to properly maintain their property. For example, if a guest falls on your wet kitchen floor, you may be held liable, whereas if someone falls down the stairs because of a loose footboard that your landlord has failed to repair, your landlord will most likely be held responsible. While those who live in apartments are generally not responsible for keeping outdoor walkways clean and clear, renters in single-family dwellings often are. Check your lease if you are unsure where the responsibility lies. If My Visitor Is Injured, Won’t Their Medical Insurance Cover It? A visitor’s health insurance may cover the costs of medical expenses after an injury in your rental home, or they may not. If a guest injured in your home is uninsured, or if that person’s health insurance co-pays and deductibles are very high, you may be required to cover their out-of-pocket costs. If the injured guest subsequently has unpaid days off work as a result of the injury, you may be responsible for restitution for lost wages. Finally, if the injuries are severe and the injured party can prove willful negligence on your part, you may be responsible for punitive damages as well.