Yes! Home insurance and renters insurance are very similar in their personal liability coverage. Personal liability coverage is available to renters and condo owners alike. Liability coverage in home insurance, renters insurance and condo insurance policies work broadly the same way in each case. Renters, though, are only responsible for the living spaces in a home as opposed to the entire property. In other words, a tenant is not legally liable for any accidents that might happen outside their front door, but a homeowner may be. In any case, most claims for personal liability in Canada happen in circumstances that affect both landlords and tenants, making personal liability coverage an important consideration for everyone.