Intentional acts. Any injury you cause on purpose — a fight you start, deliberate property damage, any act of violence — is excluded from liability coverage. Intentional harm is excluded in every standard renters insurance policy without exception. This exclusion applies even if you are ultimately found legally liable in civil court.
Business activity exclusions. If you operate any business from your rental — freelance clients visiting, childcare services, personal training clients, tutoring sessions, e-commerce inventory storage — and a person connected to that business activity is injured, your renters policy typically excludes the claim. Business liability falls under commercial general liability insurance, not personal renters coverage. This exclusion is strict: even a single home-office client visit that results in an injury may be excluded.