How Renters Insurance Provides Liability Coverage if Someone Is Injured in Your Home

Many renters assume their landlord’s insurance will protect them if a guest gets hurt in their apartment, but that’s generally not the case. While the building itself may be covered, your personal liability is not, making renters insurance essential. In addition to protecting your belongings financially, renters insurance also includes liability coverage that can be essential if someone is injured in your home.

If you’re unsure about the specifics of renters insurance or need personalized advice, it’s always a good idea to contact an insurance professional, such as Charles Brunson Agency. We can help you find the right financial protection.

What Liability Coverage Includes

Liability coverage is a key part of any renters insurance policy. If someone is hurt while visiting your home, whether they slip on a wet floor or trip over a loose rug, you could be held legally and financially responsible.

Renters insurance may provide financial assistance for the following:

• Medical payments—This may cover medical bills for minor injuries, even if you’re not legally liable.

• Legal defense—If a guest sues you, your policy may cover legal fees and court costs.

• Settlements or judgments—This may help pay if you are found liable for someone’s injuries or damages.

It’s important to note that liability coverage may also extend beyond your rental. If your dog bites someone at the park or you accidentally damage someone else’s property, your policy could still provide protection, depending on the specifics of your plan.

Protect Yourself Financially

Accidents happen to even the most careful people. The best way to protect yourself financially from the unexpected is to carry a renters insurance policy that includes liability coverage. Charles Brunson Agency helps renters throughout North Carolina find affordable, comprehensive policies. Contact us today to get a quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.