What personal liability does NOT cover:
- Your own injuries (you are not a third party to your own policy)
- Injuries to household members — spouses, roommates, children, others who live with you
- Injuries caused intentionally
- Injuries connected to business activities conducted in your rental
- Motor vehicle accidents (auto insurance handles these)
- Injuries in common areas of your building (hallways, lobby, parking lot) unless you directly caused them through negligence
Medical Payments to Others Coverage
Medical payments coverage (MedPay) is a smaller, supplementary coverage that pays for a guest’s immediate medical expenses regardless of who was at fault. You do not have to be legally responsible for it to activate — it pays automatically when a guest is injured on your premises.
Standard MedPay limits in renters insurance run $1,000 to $5,000. Lemonade’s default is $1,000 with optional increase to $5,000. Most major carriers offer up to $5,000 per incident.