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I have renters, do I need different home owners insurance?
So I'm renting out a few rooms in my house that I own and also live in. I live in Delaware, because that might make a difference. Is there additional coverage I should have, and how much? If one of the renters screws up something little, that would be covered by the rental deposit. If they really did serious damage (like started a fire), I think that would be covered by my current policy. And they would be legally liable.
Also, I'm sure someone will bring this up. I was told by my insurance company that I don't need to worry too much about personal liability related to someone getting injured in/on my property. In their words, "Delaware law tends to side with the homeowner in the case of frivilous personal injury lawsuits. For example, if someone falls down the stairs at your house and breaks a leg, they won't be able to successfully sue unless they can prove willful negligence. Like, if your stairs were rotting out, inherently unsafe, you knew about it, and didn't warn the person before they used them. Or if you were setting bear traps in a suburban neighborhood. But in that case, you have bigger problems than just needing more liability insurance." I assume the insurance company was giving me good intel (or else I don't know what they were trying to do). The point is, I don't think I need to be too concerned about the renters getting hurt and trying to sue. I'm willing to be proven wrong though.