When you’re moving into an apartment with a pet, there are a lot of things to consider. Pet rent, what crate to keep them in, how they’ll adjust—and insurance. Although most pets are sweet and docile, accidents can happen. But are pet accidents covered by renters insurance?
In short, yes. Renters insurance does cover certain accidents involving your pet. It covers liability in incidents where your pet causes bodily injury or property damage to someone else. This can cover dog bites, as well.
Be wary, though. Your renters insurance won’t cover everything related to your furry friend.
Renters insurance covers:
- General Liability: General liability provides compensation if you cause bodily injury or property damage to someone else. This coverage can extend to cover your pet, as well.
- Personal Possessions: Personal possessions coverage provides compensation if your items are lost or damaged due to certain covered incidents, such as fire, lightning, smoke, theft and vandalism.
- Additional Living Expenses: Additional living expenses, or ALE, provide compensation if you must temporarily live elsewhere while repairs are being made to the rented property.
What Does Renters Insurance Not Cover?
In regard to pets, renters insurance does not cover damage your pet causes to the rented property or your personal belongings. If your pet scratches walls or chews up your shoes, you’ll likely have to pay for the damages out of pocket. It’s likely that you won’t receive your rent deposit back as a result of these damages, as well.
Incidents involving your animals that will likely not be covered includes:
- Damage from spraying/peeing
- Rips or tears in your furniture
- Bodily injury your pet causes you
Consider crating your pet when you’re away. A pet crate should be large enough for the pet to stand up and turn around comfortably, and water should always be available. Puppies should have plenty of safe toys to chew on, so they aren’t tempted to chew on the crate itself.
Keep in mind that, if your dog bites you, it won’t be covered under your renters insurance policy. Any injury your pet may cause you should be covered under your health insurance policy. So, while renters insurance is important for your personal belongings and liability, it’s just as important to make sure that you have all the coverage you need to cover against accidents that renters insurance will not cover.
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