What Does Apartment Building Insurance Cover?

Apartment building insurance is not to be confused with renter’s insurance. While a renter’s insurance policy covers a renter and his or her belongings, apartment building insurance covers the property itself and its owner. Every policy is different, but most will include owner liability coverage in addition to insuring the building and fixtures.

If a tenant or visitor files a personal injury claim against the owner or manager of an apartment, the landlord would be covered by the liability portion of his or her apartment building insurance. Laws and insurance policies vary, and every case is different. A knowledgeable, local personal injury attorney can help you sort out the specifics of your landlord’s policy and assist you in filing a claim for damages.