Part of a typical renters insurance policy is liability insurance in case you or a family member cause bodily injury or property damage to someone else. Some people don’t realize that their furry family members may also be included in this coverage.
If your pet bites someone or damages someone’s property, your general liability coverage under renters insurance can help pay for the damages as well as protect you against a lawsuit.
The most common pets, of course, are dogs and cats. Dogs especially need liability coverage as they are often more likely to bite and cause extreme damage. Cats and dogs are covered by renters insurance, but there are some exclusions.
Species Exclusions
Renters insurance doesn’t typically cover pets that are considered “exotic.” Exotic pets typically include:
- Rabbits
- Ferrets
- Birds
- Snakes
- Turtles
- Amphibians
- Other reptiles
If you have a question about whether your unique pet will be covered under renters insurance, be sure to speak with your insurance agent. While some insurance providers differ, many have the same exclusions when it comes to exotic animals.
Dog Breed Exclusions
Of course, even your dog may or may not be covered depending on your insurer and your policy. Some dog breeds are often excluded from renters insurance coverage because they are considered too high risk to insure. Keep in mind that coverage restrictions may vary between insurers, but on average, insurance providers exclude these breeds from renters insurance coverage.
- Any wolf hybrid
- Siberian Husky
- Malamute
- Akita
- German Shepherd
- Chow Chow
- Cane Corso
- Presa Canario
- Rottweiler
- Doberman Pinscher
- Mastiff
- Pit Bull Terrier
- Rhodesian Ridgeback
Dog breed exclusions are generally strong high-energy breeds with certain destructive natures. Some of these breeds are even excluded from several apartment complexes. Be sure to ask your insurance agent and your landlord about possible restrictions before bringing your furry family member.
Coverage Exclusions
If your policy does cover your furry friend, you still need to double check your coverage and its exclusions. Renters insurance will not cover damage your pet causes to your personal belongings. For example, if your dog chews up your shoes, renters insurance will not provide compensation for replacements. On the other hand, if your pet destroys a guest’s purse and everything inside, renters insurance will provide compensation for the damages and protect you against a lawsuit should the guest decide to sue for the damages instead.
Also Read: Can My Landlord Make a Claim on My Renters Insurance?