If you live in a rented house, you shall be liable for all the damages caused to the house while leaving it even if it wasn’t your fault. Even if your apartment or house owner has insured the house you need home renter’s insurance if your apartment owner’s insurance does not cover your belongings. If you purchase renter’s insurance, it will cover your personal belongings and you can step out of your house without worrying.

You are legally liable if a person gets hurt in your rented property therefore, you would have to pay their medical expenses. In case there’s a fire because of your negligence and your apartment owner’s insurance doesn’t cover such mishaps, you will have to pay for the repairs in absence of rental home insurance

accident insurance. In case you hurt a person or damage someone’s car or property with your rented car, personal liability coverage will provide you with coverage. The personal accident coverage on the other hand will pay for your and your passenger’s medical and hospital charges and any damage caused to your rented car in case of an accident. Under this coverage you get a one-time payment only.