What does "personal Liability" mean when it comes to renters insurance? - renters liability

For tenants, the personal responsibility they have to do with their actions and their property, and not necessarily the structure or the area outside your unit (such as corridors of the building, or backyard) their rented house.

This line is not always clear. For example, if you rent a house and injured someone in your backyard, while the use of the garden, you and your landlord may be named in a lawsuit.

Given the trend in the litigation, it is really necessary to take personal responsibility if the tenant or owner.