Does Renters Insurance Cover Personal Injury on Their Property?
One of the most searched variations of this question: does renters insurance cover personal injury that happens outside the rental unit?
The answer depends on the type of incident.
Personal liability generally extends off-premises for incidents you are personally responsible for. Classic example: your dog bites someone at the dog park. You are at the dog park, not your apartment — but the liability follows you as the policyholder. State Farm explicitly states that liability coverage applies whether the incident occurred within your residence or elsewhere.