Common area injuries. Your liability coverage extends to your rental unit and areas within your reasonable control. Injuries in shared building hallways, lobby areas, stairwells, parking lots, or the building exterior are typically the landlord’s responsibility — not yours — unless you directly caused the hazard.
Injuries above your coverage limit. If a serious injury results in a judgment that exceeds your liability limit — a permanent disability claim, for example — you are personally responsible for the amount above your policy limit. This is the scenario that justifies carrying $300,000 or more in coverage and considering a personal umbrella policy.