Too many people forego renters insurance because they think it's expensive, or because they think their landlord's coverage protects them. However, none of these suppositions are true. This type of insurance is crucial, especially if you’re a pet owner. Here are a few things to know about the coverage and how your companion affects it.

Common Questions About Pets & Renters Insurance

Should you update your policy when you get a pet?

You need to notify your insurer when you get a pet if you want them covered by your policy. Your insurer weighs all risks when calculating your premium amount, and the possibility of your pet injuring someone or damaging their property is a necessary consideration for the liability portion of your coverage.

Does renters insurance cover damages the pet causes to the apartment?

Depending on the insurer, the situation, and the policy, it may cover some or all of the damages your pet causes to the apartment. However, you’re required to take measures to mitigate the damage as soon as you know about it. For instance, if your dog chews the carpeting or your cat scratches up the door, you must take active steps to prevent it from happening again. Subsequent claims will be denied.

What if your pet injures someone?

Renters insurance does cover liability claims of this type. For instance, if your dog bites someone — or their pet — your policy will cover the cost of medical treatment up to the policy limit. Beyond that amount, you’re responsible to pay out of pocket. This is also true if your pet cat severely scratches someone and they end up in the hospital, or if a person trips and falls over your docile cat. You’re typically covered whether the accident happens on your property or when you’re out on a walk.

Does renters insurance include animal restrictions?

Some insurers will not cover dog breeds that are large or known for aggressive behavior, such as Rottweilers, pit bulls, Doberman pinschers, and German shepherds. Others exclude coverage for exotic pets, like monkeys, ferrets, wolf mixes, and snakes.

To discuss your renters insurance options with an experienced professional, contact Dewey Beckner at Allstate Insurance Companies in High Point, NC. He has been helping residents throughout Guilford County choose the right types and amounts of coverage for more than 20 years. His team also specializes in home, auto, motorcycle, and life insurance, so you can get all the protection you need at a single stop. Visit the website to learn more or call (336) 884-5636 to request a renters insurance quote today.