Animal-related accidents are general accidents pet owners often face. These accidents are commonly dog-related accidents causing bodily injuries and property damage to others. When searching for the best renters insurance, pet owners need to get an insurance policy that includes pet liability insurance coverage. Pet liability insurance for renters covers accidents caused to others by your pet.
Instead of paying out-of-pocket for injuries caused by your pet to others, pet liability insurance pays for medical bills as well as other injury or medical-related bills the third-party needs. Without pet liability insurance for renters, pet owners are at risk of taking responsibility for medical bills, legal issues, and property damage caused by their pets to others.
What is Pet Liability Insurance for Renters?
Pet liability insurance for renters covers the cost of treatments for property damage and injuries sustained by others from your pet. Like other liability insurance coverages, pet liability insurance only covers others when the pet owner is legally responsible for their medical bills. It does not cover the pet owner directly but covers the pet owner if a pet-related lawsuit is filed.
Is Pet Liability Coverage Included in Renters Insurance?
A standard renters insurance policy includes liability insurance coverage that covers several liabilities including pet-related accidents. To ensure you get the best renters insurance coverage, it is important to confirm with your insurance company. However, if your renters insurance does not provide this coverage, consider purchasing a separate pet liability insurance policy.
When Is My Pet Covered by Pet Liability Insurance for Renters?
Renters insurance liability coverage offers coverage up to certain limits for your pets. Renters insurance will cover your pet for:
- Cost of repairs for property damage caused by your pet to others.
- Medical expenses for injuries caused by your pet to others.
- Legal fees if eventually the pet owner gets sued.
if any of the above occurs, this insurance will offer coverage for it.
When is My Pet Not Covered by Renters Insurance?
Renters insurance comes with limitations and covers only some of the damages caused by your pet to others. Renters insurace will not cover your pet for the following situations.
- Damages to pet owners’ belongings.
- Injuries caused to members of your household by your pet.
Your pet liability insurance limits fall under your renter’s insurance liability limits. If your pet liability cost is higher than your policy limits, your insurance will no longer offer coverage.
What Types of Pets Are Not Covered by Renters Insurance?
Some dog breeds are not covered by liability insurance coverage in some insurance companies. This is due to the level of risks that come with their behavior. Some types of pets that are not covered include:
- Chows
- Great Danes
- German shepherds
- Wolf hybrids
- Rottweilers
- Presa Canarios
- Akitas
- Doberman pinschers
- Staffordshire terriers
- Pit bulls
- Alaskan malamutes
- Siberian Huskies
Pet owners with these types cannot insure their pets under renters pet liability coverage.
What if My Pet is Not Covered by Renters Insurance?
There are two basic options to consider if your pet is not covered by pet liability insurance. These options include:
- Purchasing a standalone pet liability insurance policy.
- Taking insurance from a different renters insurance company.
You can either take separate insurance for your pet or you may be able to cover your pet under renters insurance from another company.
Is Pet Liability Coverage Included in Pet Insurance?
No, the standard pet insurance does not offer liability coverage, instead, it covers your pet when it gets injured or sick. It pays treatment costs, vet bills, routine care, and wellness care for your pet. pet insurance does not cover injuries and property damages others sustain from your pet.
However, if you purchase both renters insurance and pet insurance from the same insurer, some insurance companies offer a price cut on insurance rates.
When Renting, Do I Need Pet Liability Insurance?
It is not legally mandatory for pet owners to have pet liability insurance when renting. But most landlords require renters to have renters insurance and this insurance contains pet liability insurance coverage.
It is a good idea to consider whether or not you need pet liability insurance but having one is a good idea. For instance, if someone gets bitten by your pet dog, your pet liability insurance will cover the medical-related bills of the injured person.
