Does renters insurance cover pets? (2024)

FAQs

Does renters insurance cover pets? ›

Quick Answer

Most renters insurance companies cover household domestic pets like cats and dogs, but there may be exceptions, especially for certain dog breeds. If your renters insurance company won't extend liability coverage to your pet, you may be able to purchase a separate animal liability policy from another insurer.

Pets can damage not only your home and property but property belonging to other people that visit or live near you. More significantly, dogs can bite people, leaving you and your insurance company liable for their injuries. So overall, pets are seen as a liability by many insurance companies.

Additionally, if your pet causes damage to the property you are renting, that is usually not covered under your policy. Instead, your landlord's policy is likely to cover those damages. If you're a renter with a pet, it's essential to let your insurance company know about the animals you have in your home.

Yes, your renters insurance personal liability protection should pay for medical bills if your dog bites someone, with some exceptions. This usually includes guests or strangers and doesn't include cases where your dog bites someone who lives in your home.

Damage Caused by Floods, Earthquakes and Sinkholes

Flooding, earthquakes and sinkholes are all examples of natural disasters that are not covered by a typical renters insurance policy.

Animal Liability Insurance protects you in the event of damages or injuries caused by your dog or other pet that you own. Liability insurance is a form of third-party coverage, meaning that it compensates others – not you or members of your household.

Yes, you should tell your insurance company if you have a dog. That's especially true if yours tends to show up on lists of vicious or dangerous dog breeds. If you don't, you could be due for a rude awakening.

The records allow the insurer to assess whether treatment is related to a pre-existing condition; if it is, the claim will typically be denied, although there may be exceptions (check the coverage details for the pet insurance policy).

Some of the most common things pet insurance does not cover are: Pre-existing illness or injury - In general, insurers will not cover illness or injury that your pet had or showed signs of having before the policy started.

Why do landlords care about pets? ›

Landlord Advantages

Tenants stay longer in one place when they have a companion animal. Boost the percentage of responsible tenants in your property. Individuals who have companion animals tend to be more responsible and caring. Improve the quality of life for your tenants.

Whether your renters insurance covers pit bulls depends on your specific insurance company. Some insurers have banned dog breed lists that exclude certain dog breeds such as pit bulls. Others will offer coverage unless the dog has a history of biting or aggressive behavior.

Key points. Some home insurance companies ban certain dog breeds, which means there is no liability coverage if your dog injures someone or destroys their property. Dog breeds banned by home insurance companies often include Doberman Pinschers, pit bulls and Rottweilers.

Whether someone considers Lemonade renters insurance as good or not likely depends on their coverage needs. If you're a renter who does not have a significant amount of valuable personal property, Lemonade's affordable premiums and easy buying process can make it a good choice.

Renters insurance will cover the theft of your belongings both inside and outside your home. For example, if someone steals your stuff from your car or a hotel room, renters insurance can reimburse you. The policy will have a deductible, which is the amount of money deducted from an insurance claim check.

Typically, cat pee or dog pee is not covered under renters insurance. Pet damages to a property are considered the responsibility of the pet owner.

Some insurers will allow you to add multiple pets to one policy, though most may require you to buy separate policies for each pet instead. Note that many pet insurance companies will only provide coverage for cats and dogs, so you may be out of luck with other pets like birds, hamsters, snakes, and rabbits.

You can also add additional coverages to give you extra protection. Please note, liability coverage comes standard with a Liberty Mutual Renters policy. This means you're protected if you, your family member, or your pet injures someone or damages their property.