Does my renters insurance cover the medical payments of accidents that happened in my apartment?

There are two kinds of coverage that can cover if your friends got hurt in your apartment and it depends on how your friends got hurt. If it’s your (the insurer’s) fault, say you forgot to clean the snow on the driveway and your friends slipped and fell, liability can step in to cover the medical cost. If it’s not your fault, say your friend cut his hand when he was helping cooking the dinner, medical expenses can respond to the injury.