Accidental damage at a friend’s house: If you accidentally spill red wine on your friend’s expensive carpet during a visit and it’s irreparably stained, your liability insurance will cover the cost of replacing or repairing the carpet.
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Damaging a neighbor’s property: You accidentally kick a football through your neighbor’s window while playing in the courtyard. Your insurance would cover the costs of repairing or replacing the broken window.
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Damage caused by your child*: Your child accidentally breaks an expensive item at someone else’s home, like a friend’s plasma TV. Your insurance can cover the costs of repair or replacement.
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Damage during a short-term rental stay: If you’re on vacation and accidentally damage property in the hotel or Airbnb you’re renting, like breaking furniture or damaging a wall, these damages can be covered by your insurance.
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Pet-related damages**: Your pet rabbit damages your landlord's curtains, or your cat causes injury to someone. Personal liability insurance may cover the costs of repairs or medical bills.
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Damage during a long-term rental: If you're living in a rented apartment, accidental damages you cause to the fixed building and furnishings, like scratching the walls when moving furniture, or burning a kitchen surface, your insurance can cover these damages.
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