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What is personal liability coverage for renters insurance?

My renters policy says something about personal liability coverage. I thought my policy only covered my stuff. What is personal liability coverage for renters insurance?

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Bonnie Stinson · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Good job reading your policy! Personal liability coverage gives you protection if someone is accidentally injured in your home—or if you damage someone else’s property and have to pay for the damage.
This type of protection is incredibly valuable.
Let’s say a neighbor comes over and slips on your wet floor. The personal liability portion of your renters policy could help cover their medical expenses. If they sue you, your policy can help cover legal costs.
Here’s another example. If you go to a friend’s house and accidentally break their TV, you don’t have to pay to replace it out-of-pocket. After you pay your deductible, your personal liability coverage can kick in to help cover the replacement cost (and preserve the friendship!).
There’s no extra charge for this coverage—it’s wrapped into your monthly premium.
If you have any questions about
renters insurance
or even
car insurance
, reach out to
Jerry
. Our friendly agents can answer questions via text or phone. The Jerry app is the fastest way to find a cheap policy, too, if you want to look for a better deal.
Hope this is helpful!
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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