What is liability coverage, and what might my landlord require?
Learn what personal liability coverage can help with, why landlords may require it, and what to do if your landlord requires a higher limit.
What personal liability coverage can help with
Personal liability coverage on a renters policy can provide legal protection when you are found responsible for injuring another person or damaging their property. It can help with the other person's medical bills or property repairs and with expenses if you are sued over an incident at the home you rent.
Landlord requirements
Many landlords require renters insurance with at least $100,000 per occurrence in personal liability coverage. Your landlord may set a different requirement, so check your lease or ask your landlord what limit you need.
If your landlord requires a higher limit than the Goodcover app offers, contact Goodcover. Depending on your state and location, Goodcover may be able to help with that. For instance in California, if you live in multi-dwelling unit and have a paid property manager we can apply an MDU (Multi Dwelling Unit) endorsement that allows your liability limit to go up to $300,000. This applies to Policies who ID starts with an N.
If your policy starts with an F, the requirements are a little more strict. For F based policies, you'll need the following:
- Recently updated building in the last 25 years
- Property management on-site
Frequently asked questions
How much personal liability coverage do landlords require?
Many landlords require at least $100,000 per occurrence, but requirements vary. Check your lease or ask your landlord for the limit you need.
What if my landlord requires more coverage than the Goodcover app offers?
Contact Goodcover. Depending on your state and location, Goodcover may be able to process an exception.