Covering your pet with renters’ insurance

You rent a house or an apartment and want to arrange renters’ insurance. But what coverage do they provide for your pet? Does the renter’s insurance cover your cat and dog? This article brings you the information you need to know. It covers some tips and useful information along the way.

There is a difference between renters insurance and pet insurance. You would better know them to make a wise decision.

Pet insurance and renters insurance differences

The two insurance policies are to cover the insurance needs of people. This section brings you the differences and whatever useful information you need to know:

Renters Insurance

This is an insurance policy for tenants supporting their personal property and belongings. The landlord has an insurance policy that covers the building of the house or apartment, but it doesn’t cover the tenant’s property and belongings. So tenants often have to get renters insurance to get coverage for their personal belongings.

Different factors determine the cost of your renter’s insurance, but one of them is having a pet. As it might bite or hurt people, the cost increases, so it is the price of renters’ insurance.

Pet insurance

This insurance policy is to cover your pet and is specially designed to cover them. The range of coverage and medical costs is different and is up to the policy you pick.

A landlord might require tenants to get renters insurance, but having pet insurance is a personal choice and the option you get.

Also, pet insurance might not be available for every type of pet, and there is a limit on it. Dogs and cats are the most common types of pets that get insurance and coverage.

Does renters insurance protect your pet?

The answer to this question must be specified. First, you must know that even pet insurance doesn’t cover every type of pet. Then, determine what pet you have and what coverages they need. For instance, a dog might bite people, and a cat could scratch them.

If your pet injures others, you might be held liable for the injury and medical expenses.

When you want to get renters insurance, you must clarify whether it covers your pet or not and if yes, what type of coverage.

Renters’ insurance has liability coverage, and it might cover the injury by your pet to others. But there is often a limit to the amount, and you would better ask and ensure of it at the time of arrangements.

Your pet might damage your property, and renters insurance often does not cover such cases but ask the company to ensure it. You would better train the pet and control it to avoid such cases.

You would better inform the insurance company that you have a pet. If the pet injures your property or damages someone and you have not informed them, the company might refuse your claim and not pay for the damage. Clarity is the best policy here.

Renters insurance for cats and dogs

You would better ask the insurance company whether your policy covers your cat or dog. The liability coverage in the renter’s insurance often pays for the injury by your pet to others, but the specific cases must be clarified.

Also, knowing the coverage limit could help you to be careful. You would better control your cat or dog and train them to behave or set them on leashes in public places.

What does renters insurance doesn’t cover for pets?

It is normal and common that your renter’s insurance doesn’t cover some incidents related to your pets.

Also, the insurance company could add or remove cases from the renters’ insurance.

There is also a list of restricted dog breeds, and insurance companies remove them from the coverage.

If so, you might have to purchase extra liability coverage. You would better explain your conditions to the insurance company and know their policies related to your pet.

Whether renters insurance cover dog bite is up to the insurance company policy and the type of dog. You should check it with the company.

These breeds are considered more aggressive, and they might bite people more than others. So the company might exclude them;

• Wolf-dog hybrids
• Saint Bernard
• Rottweiler
• Rhodesian Ridgeback
• Presa Canario
• Pitbull
• Mastiff
• Husky or Malamute
• Great Dane
• Doberman Pinscher
• German Shepherd
• Chow Chow
• American Staffordshire Terrier
• Akita

If you get a pet after renting a place and arranging the renter’s insurance, you can contact the insurance company to get coverage for your pet.

Renter insurance for pets in California

David Elist provides renters insurance in California. We have provided a wide and different range of insurance policies to our clients in the area. Go through the top menu and see them.

You will get the best renters insurance in California with us. We will provide you with a policy to help with your pets as well.

Give us a call at 818-999-9737 to learn about our policies and explain your condition.