Step 5 Let Your Legal Defense Work
Your renters insurance covers your attorney’s fees from the moment a lawsuit is filed or threatened. Your insurer will assign or approve an attorney. Follow their guidance. Understand your policy limit and know whether the claim amount could approach or exceed it if so, discuss umbrella coverage options with your agent before a judgment is entered.
Frequently Asked Questions Renters Insurance and Personal Injury
Does renters insurance cover personal injury to visitors on their property? Yes. If a visitor or guest is physically injured in your rental and you are found legally negligent, renters insurance personal liability pays their medical bills, lost wages, pain and suffering damages, and your legal defense costs up to your policy limit ($100,000 to $500,000 depending on your coverage selection).