Most tenants buy a policy thinking about their belongings. The part that has the greatest capacity to cost them money is the part that pays when somebody else is injured in their home.
Medical payments to others settles small guest injuries quickly and without anyone arguing about fault.
Three things about what happens when the injured person is not you.
A small coverage that pays a guest’s medical bills regardless of fault and without them making a claim against you. A neighbor who trips on your step gets treated and paid without a dispute, a lawyer or a mark on the friendship. It is a modest limit doing a disproportionate amount of good.
Contents claims are measured in thousands. An injury claim is measured in whatever the injury costs, and the tenant is the person it is made against. The liability limit is usually left at the lowest option on the form because nobody raises it at the quote.
Personal liability on a renters policy generally covers you away from home as well, which is a far broader protection than most tenants realize they bought for the price of a few dollars a month.
The lines that decide a liability outcome.
It usually is, at a small limit, and raising it is inexpensive.
Moving from the minimum to a higher limit normally costs very little per year.
The single most common reason a tenant liability claim becomes a large one, and some carriers restrict it.
Tell us who lives there and whether there is a dog. Both shape the liability side.
We set the liability limit deliberately rather than leaving it at the default.
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