Tort may be defined as a personal injury; or as "a civil action other than a breach of contract."
A person who suffers a tortious injury is entitled to receive "damages", usually monetary compensation, from the person or people responsible - or liable - for those injuries. Tort law defines what is a legal injury and, therefore, whether a person may be held liable for an injury they have caused. Legal injuries are not limited to physical injuries. They may also include emotional, economic, or reputational injuries as well as violations of privacy, property, or constitutional rights. Tort cases therefore comprise such varied topics as auto accidents, false imprisonment, defamation, product liability (for defective consumer products), copyright infringement, and environmental pollution (toxic torts), among many others.
Usually, yes - although you need to show that the tort caused the damages.
If your renters policy covers Sewer Backup then it will cover damage to personal property.
liability
Liability
liability
Risk defines the possibility of personal injury, or damage to vehicles or property.
Only if the damage is the fault of the landlord.
Unfortunately, landlords are not responsible for any one's personal property, unless you can prove negligence on the landlord sparked, which would have contributed to the damage to the property this is something that would be argued in court your best bet is to get renters insurance
TORT
Usually your own insurance.
It provides protection against damage or theft to items on your property. If something like a fire happens at your residence and damages your property, property insurance covers that.
PL usually stands for "Personal Liability" and PD for "Property Damage"
The typical house insurance policy covers damage to your property and personal liability coverage. Damage to your property includes fire, lightning, tornado, and hurricanes.