{"id":1659,"date":"2023-08-19T13:13:37","date_gmt":"2023-08-19T13:13:37","guid":{"rendered":"https:\/\/thedigitalinsurance.lifemitra.co\/?p=1659"},"modified":"2023-08-19T13:13:38","modified_gmt":"2023-08-19T13:13:38","slug":"does-renters-insurance-cover-medical-bills","status":"publish","type":"post","link":"https:\/\/thedigitalinsurance.amplispotinternational.com\/does-renters-insurance-cover-medical-bills\/","title":{"rendered":"Does Renters Insurance Cover Medical Bills?"},"content":{"rendered":"\n

Admit it!<\/strong> You have, at least once, thought of letting go of your health insurance because therenters insurance covers medical bills. What\u2019s the need for both, right?<\/p>\n\n\n\n

There must be a lot of questions in your mind. Do the best renters insurance<\/a><\/strong> covers medical bills? Would it pay for your knee injury or a visit to the ER? You\u2019ll get to know everything, but in a nutshell, don\u2019t ever let go of your health insurance just because you have renters insurance, as it does not cover your medical bills.<\/p>\n\n\n\n

So, what exactly is renters insurance? What does it cover? And what are the key features of the best renters insurance?<\/p>\n\n\n\n

What is renters insurance?<\/h2>\n\n\n\n

Renters insurance is like an abridged version of homeowners insurance. It is practically the same as homeowners insurance, but it is for tenants. Sometimes it is a requirement for mortgages that every homeowner gets their home insured against possible injury to themselves, their family, visitors, and potential damage to their goods, furniture, and other assets. But remember that no homeowners insurance, not even the best insurance companies offer claims against the acts of God or acts of war.<\/p>\n\n\n\n

What does the best renters insurance cover?<\/h2>\n\n\n\n

Renters insurance usually has liability protection that branches off into two kinds.<\/p>\n\n\n\n

1. Family liability protection<\/h3>\n\n\n\n

Family liability covers the medical bills if you or a family member incurs any damage to a third party (anyone other than you or your family member). In such a case, if you are held responsible legally, you will have to pay for other person\u2019s medical bills, which can amount to huge sums.<\/p>\n\n\n\n

Depending on the provider, family liability insurance may extend to injuries caused outside the vicinity of your home. For instance, if you or your child, while playing in your backyard, somehow end up hurting your neighbor mowing the grass in his backyard, family liability insurance comes into play and helps you pay your neighbor\u2019s medical bills.<\/p>\n\n\n\n

Generally, family liability insurance does not cover damages caused by auto accidents. You must buy auto insurance policies if you want coverage for auto accidents. Additionally, auto insurance is a requirement in all but two states \u2013 Virginia and New Hampshire.<\/p>\n\n\n\n

2. Guest liability protection<\/h3>\n\n\n\n

Guest liability insurance is \u2013 as the name states \u2013 for your guests. It\u2019s for non-family members who visit you and suffer any injury in one of such visits. Guest liability insurance generally covers no-fault injuries up to a certain sum. For example, if your guest hurt their knee after tripping over a rug\u2019s end, guest liability insurance will come into play, and your insurance provider will pay the guest\u2019s medical bills.<\/p>\n\n\n\n

Other losses covered by renters insurance<\/h3>\n\n\n\n