What does renters liability insurance cover beyond medical bills? Renters liability insurance covers the full scope of a third-party bodily injury claim: emergency medical care, hospitalization, specialist treatment and physical therapy, documented lost wages, court-awarded pain and suffering damages, and all legal defense costs — attorney fees, court filing fees, expert witnesses, and settlement negotiation costs.
Does renters insurance cover my own injury in my apartment? No. Renters insurance personal liability only covers third-party claims — injuries to people who do not live in your household. If you injure yourself in your own rental, your personal health insurance covers your medical bills.