Whose injuries does renters insurance cover?

One of my friends slipped and fell in my apartment. She wasn't hurt, but this has me wondering whose injuries my renters insurance covers. Am I covered? What about friends, family, or strangers?

Answer
“Most renters insurance policies will cover medical payments with a limit of $1,000 to $5,000 per person, depending on what’s listed on your policy. So if someone slips and falls (whether they be a friend, family member, or stranger), you’d have that amount of coverage to help them pay for any medical bills.
They would also have the ability to sue you, in which case your liability coverage on your renters policy would protect you.
However, you can’t use renters insurance to make a claim if you get hurt inside your own residence. If you happen to slip and fall and need some stitches, this is where your health insurance would kick in. “
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Alexah Grinnell
Answered on Apr 07, 2021
Alexah Grinnell has been working in the insurance industry for 5 years with a primary focus of coverage consulting in the sales department. She has been working for Jerry Insurance since July of 2019 and has also has experience working for AAA and State Farm. She currently lives in Rochester, NY with her husband and 3 kids
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