If you’re a renter trying to get ahead in life, it would be in your best interest to obtain a renters insurance policy. Here’s what you receive with a standard policy: personal possessions coverage, some liability coverage and external living expenses coverage for when your residence is damaged to the point where you have to relocate for a temporary period of time. But despite all of these goodies, the renters liability insurance coverage renters receive is limited and can create unnecessary headaches for when you have to file an insurance claim.
So who is held liable if an accident occurs on a rented property, the landlord or the tenant? If a tenant can prove that their landlord was responsible for the accident, he/she can be excused from paying for the damages. However, if you cause the accident, more likely than not you will find yourself filing a claim and dealing with raised insurance rates. The following are ways you can prove that your landlord was responsible for the accident:
- There were ways to avoid the accident
- The landlord was in full control of the event that caused the injury
- The problem could have been easily fixed
- The injury was caused by not fixing the problem that caused the injury
- The landlord failed to take reasonable steps in avoiding the accident
- The landlord’s negligence caused the accident that resulted in the injury
Play it Safe with Renters Liability Insurance
Regardless of who is responsible for the accident, somebody will have to pay. If you’re a renter, it’s in your best interest to invest in a policy that has an adequate amount of renters liability insurance. It’s always better to be safe than sorry, so contact your insurance agent today to start comparing affordable renters insurance quotes and keep an eye out for an adequate amount of renters liability insurance.
Staff contribution: Rafael Onak
