Lost wages: If the injured guest can demonstrate they missed work due to the injury, your liability coverage pays their documented lost income as part of the claim settlement.
Pain and suffering: A court may award damages beyond medical bills and lost wages to compensate for the physical and emotional suffering caused by the injury. Renters liability covers these court-ordered awards up to your limit.
Legal defense fees: Attorney’s fees, court filing costs, expert witness fees, and deposition costs can exceed $50,000 in a contested personal injury case even if you ultimately win. Renters insurance covers your defense whether you are found liable or not. The coverage does not require a judgment against you to activate the legal defense component.