Obviously, renters insurance is not life insurance. But, before you assume the answer is no, give the question some more thought…
Does renters insurance cover death?
There might be another answer so let’s find out.
Does Renters Insurance Cover Death?
This is one we hear from time to time, but not in the context you’re thinking of. But first, let’s touch on the obvious. Renters insurance is not life insurance. If the policyholder dies, there is no policy provision on a renters insurance policy that will pay for that. But, you already knew that. So why does this post exist? Because there is in fact, another answer!
Does Renters Insurance Cover Death?
On the other hand, there’s a different answer to this question if it ‘s the death of someone else. We’d all prefer not to think about it, but there are many ways to cause bodily injury or death to another person accidentally or negligently. That’s where your renters insurance liability coverage kicks in. Liability coverage on renters insurance covers bodily injury or property damage that you do to another person. This coverage would pay for someone else’s death that you caused.
In addition to covering an accidental death caused by the policyholder, renters insurance liability will also cover negligent bodily injury done to another person. For example, if you hung Christmas lights and they came down and caused a person to trip over them, their injuries would be covered. If they trip over your lights and manage to break the wire, getting shocked as a result, there’s potentially coverage there also. If the resulting injuries cause their death, liability coverage on renters insurance can respond to a situation of that type as well.
It’s morbid and no one really wants to consider it, but if you do cause injury or death to another through your negligence, liability coverage is there to protect you. The insurance carrier can defend you against suits and pay those claims because you have a renters insurance policy. For more information on renters insurance, feel free to contact Effective Coverage at (800)892-4308 or click above for an online renters insurance quote comparison!