Does Renters Insurance Cover Personal Injury

Does renters insurance cover personal injury? The short answer to this question is no, most renters' insurance policy coverage does not cover the renter’s bodily injury compensation but does the cover injury of a third party. If someone comes into your apartment and trips on the vacuum chord you had plugged in, falls into your glass coffee table, and has to have their hands and face re-stitched together, renters insurance will cover some or all of their damages. If you trip on your vacuum chord and suffer the same damages, you are not entitled to compensation from your renter's insurance.

When is the homeowner liable for personal injury damages to a tenant?

The only case where a homeowner is liable for injuries you incurred on his or her property, is when he or she is guilty of negligence. For example, a maintenance crew member left a chord to a shop vacuum out in the walkway to your apartment, and your trip, falling into the glass coffee table you are carrying and have to get your hands and face re-stitched together. Your landlord might be guilty of negligence, but, to prove this, the landlord must have been guilty of four things:

The landlord or owner had a responsibility to maintain the premise where the accident occurred

He or she failed to maintain safe conditions where the accident happened and/or failed to give proper warning to tenants (provided the warning would not have been an unreasonable expense)

The accident was due to this failure to maintain the safety of the premise

The accident caused genuine injuries to the tenant. If you received injuries under these conditions, then you have a personal injury claim and need a lawyer who can work with insurance companies to get your compensation. Mcminn Law can build a strong case for you and ensure your full recovery. Call us today for assistance and a free consultation.

What does renters insurance cover?

Renters insurance is primarily to cover any of your property that is stolen. You can have named-peril policies that only cover instances and property that you name in the policy. Or you could have all-risk policies that cover all damages up to a certain amount. Whether you are choosing from a list of named perils or have an all-risk policy, renters insurance usually covers the following:

Property damage or loss—in a named-peril policy you’ll receive compensation for specific items and instances you put on your policy. If something is stolen and you did not have that instance "named" you’re out of luck. If you had an all-risk policy, property damage and loss are covered up to whatever amount is limited on your policy. Specific items have specific limits. If you have cash, watches, jewelry, televisions, or equipment used for business, they will be covered for repairs or replacement Each item will be assessed for how much it’s cash value is or by its replacement value.

Loss of Use—usually a percentage of your property damage policy, this compensates you for living expenses (food, rent, utilities) if you must live away from a property temporarily.

Personal liability—protects you if someone gets hurt on the property you are renting and files a lawsuit against you for their damages.

Renters insurance can be a very helpful tool for instances in which you are the victim of outside circumstances like theft, someone trying to sue you, or damage from the weather or construction forcing you to move out. However, it will not help you in times you have received an injury on the property unless the injury is due to negligence by another party. For more information on renters insurance click here, or you can call us for a free consultation to get you compensation for your injury.

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