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.
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
Third party property damage car insurance provides coverage for damage to someone else's property caused by your vehicle in the event of an accident. This can include damage to another person's car, fence, or other property.
TORT
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.
Usually your own insurance.
PL usually stands for "Personal Liability" and PD for "Property Damage"