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additional buildings on your property. property when traveling away from home. major personal liability suits. flood damage. Question 7. 7. (TCO 4) Renter's insurance covers all but which of the following? (Points : 1) Medical expenses for injuries to visitors Cost of legal action due to personal liability Additional living expenses Accidental damage to the property of others Fire damage of the building's roof Question 8. 8. (TCO 4) If claims need to be settled based on the current replacement cost of a damaged or lost item less depreciation, then the _____ method should be used. (Points : 1) replacement value actual cash value umbrella endorsement personal property floater