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Here are some TPL (Third Party Liability) insurance details that renters should be aware of: Coverage 1. Liability coverage: TPL insurance typically covers damages or injuries to third parties (e.g., neighbors, visitors) caused by the renter's negligence. 2. Property damage: Coverage may include damage to the rented property, neighboring properties, or other structures. 3. Bodily injury: Coverage may include medical expenses for third parties injured on the premises. Exclusions 1. Intentional acts: Damages or injuries caused intentionally by the renter are usually excluded. 2. Negligent acts: Some policies may exclude coverage for damages or injuries caused by gross negligence or reckless behavior. 3. Unapproved activities: Certain activities (e.g., commercial use, subleasing) might not be covered if not approved by the landlord or insurer. Requirements 1. Minimum coverage limits: Check the minimum coverage limits required by the landlord, local laws, or insurer. 2. Policy duration: Ensure the policy duration matches the rental period. 3. Notification: Inform the insurer of any changes to the rental agreement or occupancy. Additional Considerations 1. Accidental damage: Some policies may offer accidental damage coverage (e.g., broken windows, appliance damage). 2. Tenant contents: Consider separate insurance for personal belongings and contents. 3. Landlord requirements: Review the rental agreement for specific TPL insurance requirements.