Examples of Claims covered by Renter's or Liability Insurance

Real examples of potential landlord liability claims or expenses covered by Renter’s Insurance (actual claim notes):

Property A: Insured knocked lamp over which fell on jeans and started fire.

Property B: Propane tank for BBQ caught on fire while insured’s son, age 45 (live in his own home), was trying to help hook it up. Damage to building. Son in hospital w/ 2nd degree burns over 30% of his body.

Property C: Insured were in process of moving to a new residence. While they were in the new residence, someone broke into their old apartment, vandalizing it. Toilets were removed and water flooded the unit.

Property D: 6 year old son accidentally set blanket on fire with candle lighter while insured was in shower.

Property E: Insured’s 4 year old son walked away from the sink when he was brushing his teeth, leaving water on. Apartment flooded.

Property F: Wife left sink running with plug in it and caused water damage to apartment.

Property G: Insured’s toaster malfunctioned. Frozen waffles did not pop up. A fire started and damaged kitchen.