/Docs/G/lemonade-hq/policy-2.0/renters/Sec/DamageOthers/0.md
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Ti = If you accidentally damage or injure others
1.Ti = This policy protects you if someone claims you’ve caused them bodily injury or property damage.
1.1.sec = If needed, we’ll provide legal defense at our own expense and pay the damages on your behalf. The maximum amount we’ll pay in damages is {CoverageOption.DamageOthers.Total.$} per year. You can increase that here.
1.2.sec = Since we’re paying, we may investigate, settle, or contest the complaint as we judge best.
1. = [G/Z/ol/s2]
2.Ti = What’s not covered
2.1.sec = We cover claims of bodily injury or property damage, not stress, mental anguish, or reputational damage.
2.2.sec = Damages covered by other types of insurance (such as auto, boat, or professional liability insurance), aren’t covered by this one.
2.3.sec = Damage caused by drones, other flying machines or motorized vehicles of any kind (such as electric bikes, segways, or electric skateboards) aren’t covered.
2.4.sec = We cover fire damage to your apartment, but other damage to the unit you rent (like scratched floors) isn’t covered. That’s what the security deposit is for.
2.5.sec = We don’t cover damage caused by assault weapons (as defined by the Federal Assault Weapons Ban of 1994). Harm caused by other licensed firearms is covered, as long as they were stored securely and used responsibly.
2.6.sec = Damage that’s related, or similar to, something you’ve been accused of in the past ten years (e.g. your dog has bitten before) isn’t covered.
2.7.sec = We don’t cover damage caused intentionally, or as a result of illegal activity, by anyone listed on the policy.
2. = [G/Z/ol/s7]
= [G/Z/ol/2]