Personal Liability: For claims due to Bodily Injury or Property Damage that you becomeLiable for and which is covered under the policy.

I contacted the local county office, and a few attorneys today and most recommended getting something professionally written up to protect me from legal matters/injury/indemnity, damage to driveway, maintenance to driveway, and more. 

With relative certainty I can almost guarantee my renters will not have drunk celebrities at my properties :)  The mail person one always gets me, it would seem that it would have to be a tendon severing incident to get the medical bills that high and it would also be a workman's comp claim as it was an injury on the job.... 

Hey ZanderI saw one of the "experts" post on here that there are two types of insurance to get on short term property investments.Title insuranceHazard insuranceSomething else to consider is insured contractors which will relieve some of the possible liabilities for injuries on your property.

For sure my parents and seeing them succeed building a company from scratch, playing competitive sports since I was a kid and making it to the Junior Olympics, overcoming a career ending injury before turning pro, great teachers and mentors, living in 3 different countries and traveling to over 50, meeting people from many different nationalities and backgrounds and take the time to hear their story and learnt from them, doing long distance endurance sports (half-Ironman and Ironman distance triathlon) qualifying for the World Champiomships, being open minded when meeting new people and ideas, never accepting that things are the way they are just because, etc. 

For me the potential saving from the warranty are not worth the run around and potential injury to the tenant-landlord relationship.    

The only pet damage covered on the US renters policy is damage to property other than the premises rented and bodily injury to third parties.

There are some optional coverages you should consider if you do get the policy such as Loss Assessment, Personal injury, Water Backup, ...) 

(c) If a landlord did not know and had not been notified of the need to repair or replace a smoke detection device or a carbon monoxide detection device, the landlord's failure to repair or replace the device may not be considered as evidence of negligence in a subsequent civil action arising from death, property loss, or personal injury.

Bodily Injury/Property damage liability- Workers CompensationWhich of the above you will need will depend on what operations you are doing and whether or not you have employees or subcontractors.