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What is Renters Liability Insurance?

Updated: March 2018

Personal liability coverage is part of a standard renters insurance policy. It may help cover legal expenses or the cost of non-auto-related damages to other people or their property if you are found legally responsible. Liability coverage typically starts at $100,000, says the Insurance Information Institute, with higher limits available.

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What Does Personal Liability Insurance Typically Cover?

Suppose you're held liable after a guest falls down your stairs, or your child accidentally throws a football through a neighbor's window. Or imagine you cause a kitchen fire in the home you're renting. Personal liability coverage may help protect a renter in situations such as these.

Renters who seek additional liability coverage may benefit from a personal umbrella policy. Umbrella insurance coverage typically begins after the limits of the underlying policy have been reached, helping provide greater liability protection.


Landlord insurance policies do not offer protection to tenants. That's why many landlords require tenants to show proof of renters insurance before leasing to them, or require them to sign documents indicating they understand their landlord's insurance policy doesn't cover tenants.

A landlord insurance policy may help cover structural damage to the building caused by covered perils such as a hailstorm or a fire caused by lightning. That coverage typically does not extend to the tenant's personal property.

A landlord insurance policy also typically provides liability protection to the owner of the home. For example, a landlord insurance policy may help protect a landlord if a tenant is injured and the landlord is found responsible.

Meanwhile, renters insurance helps protect a tenant if, for instance, a visitor is injured in the home and the tenant is found legally responsible.

Liability coverage may help protect renters in a number of situations. Talk to a local agent to learn more about liability protection for renters and to choose the coverage that's right for you.

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This content is for informational purposes only and may not be applicable to all situations.

Coverage subject to terms, conditions, and availability. Policy issuance is subject to qualifications. Allstate Insurance Company, Allstate Indemnity Company, Allstate Fire and Casualty Insurance Company, Allstate Property and Casualty Insurance Company, Northbrook, IL. © 2019 Allstate Insurance Company, Northbrook, IL.
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