Liability coverage is an important component of renters insurance, although some policies don’t include it as standard coverage. Designed to protect you from accidents that you cause, it can protect you when you’re found responsible for a covered incident. If you don’t know whether your renters insurance policy includes liability coverage, contact us at Runnels Insurance. We’ll help you make sure you find the protection you need.
Liability Coverage Protects You from Yourself
Unlike insurance coverage that protects you against vandals and thieves, liability coverage doesn’t protect you from someone else. Instead, it protects you from yourself. When you’re held responsible, or liable, for a covered incident, your liability insurance will protect you. The specific scenarios liability coverage may provide protection or will depend on your renters insurance policy’s terms and conditions. Here are three examples that might qualify as a covered incident, depending on your policy:
- a fire that you start and spreads throughout your apartment building
- legal fees associated with an incident that took place in your apartment
- damage you cause to someone’s property when you’re outside of your apartment
Our Insurance Agents Compare Liability Coverage Rates
At Runnels Insurance, we have independent insurance agents who can compare any renters insurance policy offered in Florida against others ones that are available. They’ll be happy to review your current policy’s liability coverage and rates. If there’s a renters insurance policy that provides more liability coverage for less money, they can help you switch.
To get in touch with one of our Florida-licensed independent insurance agents, call our office or, if you’d prefer, send us an email through our website. One of our agents will respond quickly and begin helping you find the best rates on renters insurance policies with liability coverage.