The liability portion of your tenant insurance policy typically covers scenarios such as:
Accidents that occur on your property, such as the mail carrier slipping and falling in your driveway
Bodily injury to an individual due to negligence, such as your dog biting a visitor in your home
Property damage caused by negligence, such as flooding due to not properly maintaining your washing machine
However, there are some limitations to this coverage, including:
Liability resulting from an automobile accident (typically covered by auto insurance)
Intentional bodily injury or property damage caused by you or a family member in your home may not be covered
Injuries or damages sustained by you or family members in your home may not be covered
Business activities or claims related to your profession may not be covered
It's important to review your policy and understand the specific limitations and exclusions that apply to your coverage. Please read our article Who’s Responsible for Injuries on Your Rental Property? for more information.