Personal liability coverage protects you if you're held legally responsible for accidental property damage or bodily injury — whether it happens at home or elsewhere in the world. It's one of the most valuable, and most underappreciated, parts of your tenant insurance policy.
Real-world examples
At home
You accidentally leave the bathtub running and water floods into the unit below yours. Your neighbour holds you responsible for the damage. Personal liability coverage can help cover those costs.
With your pet
Your dog bites a visitor, or knocks someone over and they're injured. Liability coverage can cover medical expenses and legal fees if they decide to sue.
Away from home
You're playing sports in a park and accidentally injure another player, or break a window with a stray ball. Personal liability coverage extends to many situations away from your residence too.
On your property
The mail carrier slips and falls in your driveway. Your washing machine isn't properly maintained and causes a flood. Liability coverage applies to negligence-related incidents on your property.
What's covered
Accidental property damage you cause to others
Bodily injury to others due to your negligence
Your pet injuring or damaging property belonging to a third party
Legal defence costs if you're sued
Incidents that occur away from your home, not just on your property
What's not covered
Automobile accidents — these are covered by auto insurance
Intentional bodily injury or property damage caused by you or a family member
Injuries or damages sustained by you or family members living in your home
Business activities or claims related to your profession
Coverage limits
APOLLO offers personal liability coverage of $250,000 to $2,000,000. We recommend the $2M option — the premium difference is small, but the additional protection is significant. You can review and adjust your liability limit anytime through the Customer Portal.
For more information, read Who's Responsible for Injuries on Your Rental Property?