That means in the event of a covered loss your insurer will help cover the costs if youre held responsible for injuring another person or damaging another persons property including your landlords.

Does state farm renters insurance cover personal injury. Renters insurance covers personal injuries to family members and guests but not for the policyholder. Coverage Options - 35 5 State Farm covers personal property and personal liability under their basic renters insurance policy. A renters insurance policy will cover major events like fire theft and falling objects that cause damage to your personal property and leave your home temporarily uninhabitable.

Renters insurance also covers much more than just your personal property like liability coverage. Luckily most renters policies cover personal injury claims. If someone is injured in your rental and the accident is your fault the first question that comes up is whether youre covered by insurance.

For example if your co-worker while visiting you slips and falls inside your apartment and suffers back injuries you can file a claim with your insurance company to pay their medical bills. And in the event that a lawsuit is filed against you by someone injured on your property the insurance company will provide the defense for you more on this later. Ad From Gadgets Like Phones To Bikes Jewellery Insure The Things That Are Important To You.

Renters insurance covers that too. If the accident is caused by a defect at the property and the defect is the landlords responsibility. Unlike other companies however they do not cover loss of use which is a shame.

State Farm renters insurance State Farm renters insurance policies come with the standard coverage options. Examples of the types of accidents where the tenant is likely to be found liable are as follows. Renters insurance does cover slip and fall injuries inside a house or apartment where the tenant is at fault.

However slip and fall injuries on rental properties raise many questions about who is at fault. This along with other accidents that cause damage or bodily injury to others is protected under renters insurance. For many individuals liability insurance is acquired as part of the package policies purchased to protect major assets such as a home automobile.