Property ownership often dictates liability. For example, if you’re a homeowner and someone gets injured inside of your home or outside on your property, you’re going to be at fault if there was any negligence involved. This is a simple concept, and you know that you need to have homeowners insurance to provide you with personal liability coverage.
But let’s imagine that you’re a renter. If someone is injured on a property you’re renting, who’s at fault? Do you need renters insurance to provide you with coverage? Here’s why this can be a much more complex topic, why you still need renters insurance regardless, and how you can get it here with Affordable Insurance Inc, serving Mountain Home, AR.
Who’s at Fault If Someone Is Injured in Your Rental?
Generally speaking, if someone is injured inside of your rental property and your negligence is the cause of the injury, you’re at fault. A renters insurance policy will offer the personal liability coverage you need to manage any expenses that you may face as a result of the injury. That being said, there are many scenarios in which you may not be at fault, such as:
- If the injury inside your rental property is caused by something that your landlord has refused to fix, they may be at fault for the resulting injury.
- If the injury occurs outside of your rental in shared common spaces, your landlord is going to be at fault for the injury should it be due to their negligence.
- If the injury is in the immediate vicinity of your property (for example, porch) and was caused by your landlord’s failure to act (although you may be at fault if conditions are a result of your negligence).
Get the Coverage You Need With Affordable Insurance Inc
It’s wise to have renters insurance for more than just the reasons listed above. Secure the renters insurance you deserve with our help at Affordable Insurance Inc, serving Mountain Home, AR. Give us a call today.
