Property damage: If your negligence also damages the guest’s property — their laptop was broken in the same fall, for instance — liability coverage pays for that too.
Real claim scenario: A guest trips over your dog’s toy and fractures a wrist. Their medical costs reach $25,000. They sue for $40,000 total, claiming pain and suffering and three weeks of missed work. Your $100,000 policy covers the full settlement plus your attorney’s fees ($12,000 in legal costs). Total payout from your policy: $52,000. Your out-of-pocket: your deductible if applicable (most renters liability claims have no deductible). (Source: Mattiacci Law, April 2025.)