What Renters Insurance Personal Injury Coverage Does NOT Cover
Understanding exclusions is as important as understanding what is covered. These are the scenarios where renters liability will not respond, regardless of your policy limit:
Your own injuries. If you fall down your own stairs, slip on your own bathroom floor, or are injured by your own furniture, renters insurance does not cover your medical bills. Your personal health insurance is the appropriate coverage for your own injuries. Renters insurance only responds to claims made by third parties.
Household members and roommates. Everyone named on the policy — and everyone living in the household — is excluded from liability claims. Your spouse, children, roommates, and domestic partners cannot be “guests” under your own renters policy. If your spouse is injured in your apartment, this is not a third-party claim. Their health insurance or your disability coverage is the relevant policy.