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.
Savannah Grabek
Answered on Mar 12, 2021
Savannah Grabek is an expert in Personal Lines insurance. She has 5 years experience in the insurance industry. Savannah began her carrier working with just property insurance and is now tenured in all personal line including home, auto, motorcycle, boat and umbrella. She previously worked for GEICO and has now been working with Jerry insurance for the past year. Savannah lives in New York with her son, fiancé, and puppy Bear. In her free time she enjoys spending quality time with her family and hiking with her dog.

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