What does personal liability insurance for renters insurance cover?

Personal liability coverage may cover you, including legal fees and settlement costs, if you cause bodily injury to someone or damage their property, up to the limits of your policy. Review your renters insurance policy with your insurance agent to see how personal liability coverage may cover you in the event of a loss..

What isn't covered by personal liability insurance for renters?

Personal liability coverage on your renters insurance policy won't cover the following:

  • Damage and injuries resulting from car accidents
  • Bodily injuries that you sustain
  • Property damage to property owned by you
  • Business-related claims
  • Intentional harm or damage

With renters insurance, personal liability coverage is standard on a policy. Your cost for renters liability coverage will depend on your coverage limit.

How much renters insurance personal liability coverage do I need?

Most insurance companies give you three standard choices for personal liability coverage limits on your renters insurance: $100,000, $300,000, or $500,000. Your net worth should be taken into consideration when determining the amount of personal liability coverage you may need. To calculate your net worth, add up all of your assets, including checking, savings, retirement accounts, and other things of value you own, then subtract your debt. Learn more about standard renters insurance coverages.

How to get renters insurance

Online

You'll answer a few simple questions, then you'll choose your coverages and start date.

Call a rep

You'll speak with a licensed renters representative who can walk you through everything.

Through an agent

If you want local advice, we'll connect you with a licensed independent agent near you.

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