Does Renters Insurance Cover Accidental Damage? 
This depends upon what you mean by accidental damage . If you mean accidental damage to a person , i.e. medical payment coverage , then yes that will covered up to the state sub-limit . If you mean accidental physical damage caused by you , then more than likely not . Accidental is not always negligent . Typically accidental is considered intentional gone wrong and all intentional acts are excluded . In summary , if it is an accidental damage to a person , then yes ; but , if it is accidental damage to property , then more than likely no . 