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You play softball and hit a ball back at that pitcher putting him in the hospital. The pitcher sues you. The insurance company defends you and settles the suit.

You put a Pizza in the oven, forget about it and leave. The pizza catches on fire and burns the entire complex down. The insurance carrier that insured the apartment building sues you for the damage. Your renter's policy pays it.

Etc..

The second example, with the fire, is not entirely accurate. A renter's policy typically does provide some coverage for "Fire Legal Liability," but it is typically with a lower limit than the general liability coverage.

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Q: Examples of liability claims covered by renters insurance while living in an apartment.?
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If you fell on your apartment stairs is this covered by homeowners insurance?

Usually not. Your apartment building will have a master insurance policy in which this is covered under liability. Now, if someone falls inside of your four walls of your apartment, you can cover this under your rental insurance liability portion of your policy. A normal insurance company can get you a policy usually pretty reasonably priced.


Does home insurance cover stolen items from an unlocked apartment that I am co-renting?

First, why is the apartment unlocked? An unlocked apartment can look suspicious to an insurance company. Whether or not the apartment was unlocked, insurance companies are primarily interested in the police report. The police report will determine if there is any indication of fraud. Second, your items may be covered at up to 10% of the personal property coverage on your home insurance policy. Example: if your home insurance covers personal property contents at $100,000, then you would have up to $10,000 for personal property at another residence. However, b/c this is a secondary residence your items may not be covered b/c you are expected to have a separate secondary insurance policy.


Does renters insurance covers a locksmith?

most of the time NO renters insurance only covers whats in an APARTMENT. However you can get insurance from the storage unit to cover whats being stored in the unit..hope this helps


How do you buy a non owner auto liability insurance if you do not own a car but you are renting a car?

A rental car is hired with a certain insurance included. The renter is responsible for a certain amount of damage to the vehicle, which is often covered by a credit card company - find out from the card company what the conditions are.


Do you need to keep renters insurance on an apartment if you go out of state for a few months?

As long as it is just a visit, and your primary residence is still the apartment that you rent, keep the insurance. Many leases, even residential ones, require that insurance be maintained during the term of the lease, with the landlord named as an additional insured. Therefore, were you to cancel coverage, you may be deemed to be in breach of the lease. Additionally, renters insurance covers primarily contents and those things "within the 4 walls"; the landlord's coverage generally covers the structure. Therefore, were there to be a covered loss while you were away and the insurance had been cancelled, you would be effectively uninsured. It is also important to check the insurance policy to determine whether or not there are provisions requiring you to notify the insurer or the agent of your extended absence. The reason for such a provision is because, in theory, a greater risk of loss may be considered to exist in a vacant unit that has no one monitoring potential problems (such as leakage of water), that could give rise to a claim. Review the policy with your agent prior to departing, but keep it in force.

Related questions

If you fell on your apartment stairs is this covered by homeowners insurance?

Usually not. Your apartment building will have a master insurance policy in which this is covered under liability. Now, if someone falls inside of your four walls of your apartment, you can cover this under your rental insurance liability portion of your policy. A normal insurance company can get you a policy usually pretty reasonably priced.


Is auto theft covered by liability insurance in Colorado?

No. Liability insurance covers damage you do to someone else's property. Theft would be covered by comprehensive insurance. In most jurisdictions, liability insurance is required but comprehensive is not.


Are passengers in your car covered by your bodily injury liability insurance?

passengers in my car should be covered since the california car insurance law requirement does not distinguish as to which person is covered by bodily injury liability insurance


What is covered in a commercial liability insurance?

Yourself and the cargo you are carrying should be covered under this insurance. It also protects your company from liability in case of an accident or emergency.


What is public liability insurance and how is it different from general liability insurance?

General liability covers Public and Producs Liability, therefore by having General Liability cover, public liability is covered also.


Is your vehicle covered from vandalism if you only have liability insurance?

No, vandalism is covered by comprehensiveinsurance.


Where can I find information on professional liability insurance for physician's assistants?

You will need professional liability insurance, this will just help ensure that you are covered. A physician's assistant is usually covered through the physician's professional liability insurance but it never hurts to have your own on top of that.


Is comprehensive insurance covered with liability insurance?

No, it's a separate coverage that you may purchase.


What is the difference between Non Trucking Liability insurance and Bobtail Insurance?

your not covered for damages


Is theft covered in most auto insurance policies?

Theft will be covered by most auto insurance policies as long as you have full coverage insurance. It will not be covered if you only have liability or basic coverage.


What is covered for personal liability insurance?

Personal liability insurance provides additional coverage to other insurance policies. Without personal liability insurance, any thing that one's home or car insurance could not cover, one would have to pay out of pocket. Personal liability insurance will cover those fines.


How does a liability insurance company protect one from lawsuits?

Anybody who subscribes to a liability insurance company is completely covered from any kind of lawsuits. A business liability insurance would cover the base costs of the defense fees.