The short answer
Renters insurance personal liability (usually $100K–$300K) covers accidental fire damage to the landlord's property when you're legally responsible. Your own contents are covered too. Grossly negligent behavior (illegal cooking device, arson) is excluded. Landlord's insurance pays first for the building, then subrogates against you — your liability limit covers the difference.
Frequently asked
- Will they sue me?
- Landlord's insurer subrogates against your liability policy. That's why the coverage exists — settlement usually stays within limits.
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