Motor vehicle accidents. If a guest is injured in or by your car — even in your driveway or parking lot — auto insurance is the appropriate policy. Renters insurance explicitly excludes motorized vehicle liability. Your auto policy’s liability coverage responds to these claims.
Dog bite breed exclusions. Most major carriers restrict or exclude liability coverage for specific dog breeds. Common exclusions: pit bulls, Rottweilers, German shepherds, Akitas, Dobermans, Siberian huskies, chows, and wolf hybrids. Lemonade restricts coverage for these breeds in certain states per their 2026 policy documentation. GEICO is notable for offering liability coverage for most breeds without standard restrictions. Always verify your specific breed is covered before relying on renters liability for dog bite claims.