It is important to note that a renter’s insurance policy protects the insured, which in this case is the renter or tenant, and not the property itself. In the same vein, the insurer’s duty in a contract of insurance is to defend the policyholder.

When you look at it, it is in your insurer’s best interests to make sure you get the best legal representation. Because if any liability case brought against you is poorly defended and a hefty settlement is granted against you, the bill would come to the insurer.

However, it is important to remember that liability coverage under a renter’s insurance policy only applies to people who do not reside on the rental property. It also does not cover injuries to people insured under the policy.