Getting renters’ insurance helps cover the renter’s personal property and offers liability coverage should something in the unit become accidentally damaged. However, does renters’ insurance cover those who have pets? For example, does the insurance policy cover damage caused by pets, or does it protect the owner should the animal bite someone? Renters’ who are also pet owners need to know the answers to these questions and will find them by speaking to an agent at Wine Valley Insurance Services in Napa, CA.
The short answer to “Are pets covered under renters’ insurance?” is “Yes.” Renters’ insurance will cover some types of pet damage and other liability incidents associated with the pet. However, it is not blanket coverage, and you must refer to your policy for specifics as to what is covered and what is not.
Property Damage
Your insurance company will cover the costs associated with property damage that is not yours. For example, if your dog gets into a neighbor’s yard and starts tearing it up, the insurance company would cover the costs of the repairs. If you were found liable for the damage, it would be covered.
Liabilities
Your renter’s insurance policy should your pet injure someone by biting or scratching them. The insurance coverage would include settling any claims against your insurance and court costs and related fees should you be sued.
Coverage Limits
Renters’ insurance policies have recovery and coverage limits. Know these limits to understand how much will be covered should your pet cause damage or bite someone. If costs are more than the policy limits, you would be responsible for the excess.
In addition to coverage limits, verify with your insurance company about available coverage for your type of pet. Some dog breeds or dogs with a history of aggressive behavior are not covered under renters’ insurance. Additionally, exotic pets are generally not covered either.
Pet owners in Napa, CA, with questions about pet coverage under their renters’ insurance policy, should call an insurance agent. Do you still have questions or need renters’ insurance coverage? Call Wine Valley Insurance Services or visit their website today for assistance understanding pet-related coverage under a renters’ insurance policy.
