Renters Insurance Liability Coverage

What is liability insurance coverage? 

In the event a claim is made against you, or you’re sued as a result of a covered occurrence, your renters personal liability insurance can help cover the cost of your legal fees and related damages. Most personal liability insurance for renters provides a minimum of $100,000 of coverage for accidental bodily injury to others and damage to others’ property. 

For example, if a visitor trips and falls in your apartment and breaks a leg, your  renters liability insurance is designed to help protect you from the costs of a liability claim made against you for the accident. 

How much renters liability insurance coverage do I need? 

Many renters insurance policies provide a minimum $100,000 of coverage for liability claims and lawsuits brought by others for accidental bodily injury or damage to their property, in the following situations: 

Another type of personal liability insurance for renters is coverage for medical payments to others. When a covered accident on your property involves bodily injury to others, a renters insurance policy typically pays up to $1,000 per person for necessary medical expenses – regardless of your legal responsibility. Typically, you can pay a higher premium to increase your coverage limits. 

Find a Travelers agent near you to get a renters insurance quote* for your apartment or home.