[turbo6bar]

Actually, a renter's policy does generally cover a tenant's liability(ies). Despite opinion to the contrary, renters can and do have liability for some action and events.

Several years ago, a renter had a kitchen fire, damaging parts of the kitchen. She did not have a renter's policy, which would have covered her liability. I had to make a claim on my policy to cover the damage. State Farm later had me sign paperwork to subrogate my claim against the tenant. I anticipate SF b!tch-slapped her around for me. Of course, I should have never made that claim, as the insurance on all of my properties went up a good bit.

Nevertheless, $500k sounds excessive. I'm not sure why the landlord is willing to stick her neck out like this, while insurance is so cheap.