Does renters insurance cover accidental damage by me or my guests?
I'm still not entirely sure what is and isn't covered by renters insurance. Where does accidental damage fall?
Accidental damage is typically not covered on your policy to protect your belongings. If you cause damage to your own belongings, or if a guest causes damage to your personal items, it would typically not be covered on a renters policy. However, if there is a personal lawsuit against you for damage to someone else’s property, your liability coverage on your policy may extend coverage to help repair the damage or pay for lawyer’s fees to go to court.
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