News, Tips & Guides for Renters and Pet Parents

Liability coverage often receives less attention than protection for belongings, although it remains an important part of protecting renters financially. Understanding how liability coverage works within a renters insurance policy allows tenants to make informed decisions and feel confident about the protection they have in place.

A puppy in a big red bow is the ultimate surprise, but unlike a designer handbag, this gift comes with a bathroom schedule and a potential college fund. Before you head to the breeder or shelter this Women’s Day, let’s make sure this 'surprise' doesn't become a source of stress.

TL;DR Renters insurance typically covers water damage to your personal belongings when the event is sudden and accidental, such as a burst pipe or appliance overflow, while your landlord’s insurance covers the building structure. Flooding from natural disasters and long-term leaks or maintenance issues are usually excluded, though optional add-ons like sewer backup coverage can expand protection. If you accidentally cause water damage, liability coverage may help pay for repa