What happens if a personal injury claim exceeds my renters insurance limit? You are personally responsible for the amount above your policy limit. This is the most important reason to carry adequate liability coverage and consider a personal umbrella policy. A judgment of $250,000 against a renter with a $100,000 limit means the renter owes $150,000 personally.
Source Verification Table
| Claim | Source | Published |
|---|---|---|
| Standard policies offer $100,000 or more in liability | Insurance Information Institute via Skaja Daniels Law | Oct 2025 |
| Personal liability covers $100,000–$500,000 per incident | MoneyGeek renters insurance injury coverage | Dec 2025 |
| MedPay covers $1,000–$5,000 regardless of fault | MoneyGeek renters insurance injury coverage | Dec 2025 |
| Lemonade personal injury endorsement: UT, GA, OH, SC | Lemonade renters insurance personal injury | Feb 2026 |
| $100K liability avg $23/mo, State Farm cheapest at $15/mo | Insurance.com $100K renters insurance | Oct 2025 / Jan 2026 |
| $300K liability adds only $18/year (~$1.50/mo) | Insurance.com average renters insurance rates | Jan 2026 |
| Average renters insurance: $24/mo, $288/year | Insurance.com average renters insurance | Jan 2026 |
| State Farm avg: $15/mo, $180/year | Insurify State Farm renters insurance review | 2026 |
| Lemonade avg: $16/mo | Lemonade renters insurance cost article | Jan 2026 |
| State Farm covers liability on and off premises | State Farm renters insurance how much do I need | Dec 2025 |
| Business activity exclusion standard across policies | Mattiacci Law, Lemonade policy docs | Apr 2025 / 2026 |
| GEICO covers most dog breeds without restriction | MoneyGeek renters insurance injury | Dec 2025 |
| State Farm not available: CA, MA, RI | Insurify State Farm review | 2026 |
| Umbrella policies: $150–$300/year for $1M additional | Standard industry data | 2025 |
For Ohio renters looking for state-specific rates, requirements, and which carriers offer the cheapest policies in their city, see our full Renters Insurance Ohio guide — with 2026 pricing from Cincinnati Insurance, State Farm, Allstate, and four other carriers broken down by city.