Does Renters Insurance Cover Liability Incurred By Children?


Maggie, who has Grand Prarie, TX renters insurance, writes to us with a pretty significant concern. She writes,

My 8 year old and a friend were playing on a swing in our backyard, and my kid pushed the other too hard. The other child fell off the swing and somehow managed to get pretty badly injured. Does renters insurance cover liability incurred by children?

Maggie, we’re sorry to hear about your situation, but you can probably sleep a little better after you find out the answer.

Call Effective Coverage at (800) 892-4308 To Find Out Does Renters Insurance Cover Liability Incurred By Children?


Maggie, you’ll be happy to know that, generally speaking, your insurance should take care of this.

Does Renters Insurance Cover Liability Incurred By Children?


There are two important points to make here with regard to coverage for family members, specifically children. Most renters insurance policies will define the “named insured” to include that named insured, their resident spouse, and resident relatives within certain ages, or dependent on the named insured for their support. The provision historically developed for two reasons. One, often only one spouse will be listed on the mortgage or deed, but both need coverage in order to protect both of them. It also has to do with the fact that children can’t contract, and therefore can’t be the named insured, and language like the above is required to confer coverage for the acts of a child.
Call Effective Coverage at (800) 892-4308 To Find Out Does Renters Insurance Cover Liability Incurred By Children?

Does <A HREF="http://www.EffectiveCoverage.com/Renters-Insurance">Renters Insurance</A> Cover Liability Incurred By Children

Does Renters Insurance Cover Liability Incurred By Children



The second thing to be aware of is that most renters insurance policies cover liability incurred by children, but only up to certain ages. That age is often 13. Because the intentions of a child or their ability to reason through consequences of their actions can be limited, this provision carves back the coverage that would normally be removed based on the intentional acts of an insured language. Since a child can’t really have an intentional act if they’re not likely to understand the consequences fully, it would be unreasonable to use the intentional acts provision to deny coverage for acts committed by the child.

Does Renters Insurance Cover Liability Incurred By Children?


To sum it up, yes, renters insurance does cover liability incurred by children provided they meet the broad definition of “named insured” and are younger than 13 years old. For older children, or adult dependents like a college student, there may be an appropriate endorsement to continue to cover that liability. Call Effective Coverage at (800)892-4308 to discuss your renters insurance needs, and see whether your children will be covered under your renters insurance liability protection.
Call Effective Coverage at (800) 892-4308 To Find Out Does Renters Insurance Cover Liability Incurred By Children?

What Kind Of Insurance Do I Need In A Rented Condo?


Sabrina, who needs Houston renters insurance but isn’t quite sure what kind of policy she needs, sends us today’s question.

I’m renting a condo in Houston, and the owner wants me to have liability insurance. What kind of insurance do I need in a rented condo? Renters insurance? Condo insurance? Both?

Great question, Sabrina, and one we get pretty often. To answer it properly, we first need to look at what a condo is.

Call Effective Coverage at (800) 892-4308 To Find Out What Kind Of Insurance Do I Need In A Rented Condo?

[Read more...]

Are Riots Covered By Renters Insurance?


Tawanna, who has St. Louis, Missouri renters insurance has seen some concerning things on the news lately, and she writes

Are riots covered by renters insurance? Things in my area are starting to calm down, but there’s still a great deal of tension and I want to make sure I have coverage if there is damage or looting.

Excellent question, Tawanna. There’s actually a fair bit of complexity involved, so let’s dig right in.

Call Effective Coverage at (800) 892-4308 To Find Out Are Riots Covered By Renters Insurance?

[Read more...]