The short answer
Your renters insurance personal liability and MedPay respond first. Landlord's policy doesn't cover injuries inside your unit — you're the responsible party. Dog bites are covered on most renters policies (subject to breed exclusions), unlike some homeowners policies where the exclusion list is broader.
Frequently asked
- What limit do I need?
- $100K is standard, but $300K is only $2–$5/mo more and matches most umbrella-eligibility floors.
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