If you live in a rental unit in Spokane, WA, you may wonder if your renters’ insurance policy will protect you from damage caused by your pet. Most renters’ insurance policies provide some protection if your pet causes damage, but you may not have full coverage for all risks. Western Insurance Associates can help you understand how to protect yourself from risks caused by your pet entirely.
Pet Damage Liability
Most carriers include liability coverage for damage or acts, such as bites or scratches, that your pet may cause while living in the rental property. The same liability coverage that protects you also extends to your pets. This protection typically has two parts: bodily injury and property damage. Your policy will cover the cost of the damage as long as it falls within your policy limits. Some rental facilities may require you to obtain separate pet insurance before moving into a unit.
What About Dog Bites?
According to the Insurance Information Institute, more than 4.5 million people are bitten by dogs every year in the United States, resulting in an average claim payout of nearly $45,000. Dog bites are one of the most common bodily injury liability claims. However, some insurance companies exclude specific breeds from renters’ insurance coverage. You can often add an endorsement to your policy to cover a dog breed deemed dangerous.
What Doesn’t Renters Insurance Cover?
A renters’ insurance policy will not cover injuries to yourself, family members, or roommates caused by your pets. It also won’t cover damage to your personal belongings caused by pets. Keep in mind that a pet endorsement on your policy is not the same as pet insurance, which pays for veterinary bills.
Discover how your renters’ insurance can protect your unit from pet damage by contacting Western Insurance Associates, serving residents of Spokane, WA.
