Renter’s Insurance and Pet Liability Coverage
Renter’s insurance policies typically include liability for pet-related injuries and damage as part of their standard coverage. However, there can be exclusions for particular situations, exotic animals, and specific dog breeds. Reviewing your policy to understand what’s covered and what’s not is critical. The team at Familia Insurance Agency, serving the Kissimmee, FL area, is available to help you understand and meet your renter’s insurance needs.
The Scope of Pet Liability Coverage
Renter’s insurance covers liability for pet-related damage, legal fees, and injury as part of your policy’s personal liability portion. For instance, you’re covered for:
- Property damage caused by your pets
- Legal fees during litigation for pet-related cases
- Emergency medical care if your pet bites or injures someone
However, the personal liability portion of your policy does not cover damage to your items or injuries to household members – pet-related or otherwise. Also, your pet’s veterinary bills are not covered by your renter’s insurance.
Your policy’s coverage limits and deductibles apply to pet-related claims. The average amount paid for pet-related claims typically exceeds standard coverage limits.
Typical Exclusions in Pet Liability Coverage
Many insurance companies place restrictions on their renter’s and home insurance personal liability coverage when claim numbers and payout amounts are high. Common restrictions include:
- Specific dog breeds and exotic pets, such as goats and pigs
- Dogs exceeding weight limits, with a history of biting, or trained to attack
- Unneutered male dogs
If your renters’ policy doesn’t cover your pet, you might need to explore a separate pet liability policy that could cover the losses mentioned earlier. If you own certain breeds, a separate pet liability policy or an umbrella insurance policy could expand your liability coverage limit.
Some policies exclude certain pets altogether and also exclude damage to the rental property due to urine, feces, scratching, or other issues, even if they categorize them as accidental.
As with all insurance policies, reviewing your policy details and speaking to your agent if you have questions is essential.
Working with Familia Insurance Agency
Familia Insurance Agency, serving Kissimmee, FL, has a wealth of experience in all aspects of renters insurance. Our expert team will work with you to design a policy that fits your requirements. Call us today at (407) 847-8007 or stop by our office to secure a renters policy that offers protection for your household.
