This distinction matters because if you search “does renters insurance cover personal injury” and find the answer “yes,” you may be reading about the endorsement — and assume your bodily injury claims are also covered by that. Or vice versa: you read “yes, bodily injury is covered” and assume you’re also protected if someone sues you for something you posted about them online.
Throughout this guide: when we say personal injury, we mean physical injury to a guest. When we mean the insurance endorsement for non-physical harm, we say personal injury endorsement. Most renters need to understand the first category; the second is addressed later in its own section.