Animal lovers renting property might wonder whether they have coverage in their renters insurance for pets. What if your furry friend causes damage to your rental, or causes another resident bodily harm? These are just a few common questions your policy can answer.
Many renters insurance policies include pet liability coverage. This coverage typically includes both bodily injury liability and property damage liability.
One important exception can be dog bites. Most renters insurance will cover a dog bite under the bodily injury coverage, but many policies include exceptions for certain dog breeds. Check your policy details carefully to determine whether your dog is covered, or if you need supplemental coverage.
Through the bodily and property damage liability coverage, renters insurance can help you if you’re liable for a variety of situations. Injuries caused by your pets would be covered, as would personal property damage caused by your pet - with exceptions.
While your policy might cover damage for some things, it may have specific pet-related addendums. For example, it’s common for rental policies to include exceptions for damage caused by urine stains and odor, especially if it means replacing the carpet.
Before getting a quote for a renter's insurance policy, you’ll usually be asked to provide info about your pets or other animals you keep in your home. If you have an existing policy and need to add a new pet, you can contact your insurance company to find out next steps.
The key difference between pet liability coverage in your renter’s insurance and pet insurance is only the latter is meant to protect the actual pet. Pet insurance can help recoup the cost of vet bills if your pet is sick or injured, but not if they ruin the carpet in your condo.
Regardless of whether you live in or own a rental property, this information is important for every pet owner to know.
Susan Shuxian Hu has been a dedicated realtor serving in Silicon Valley since 2010. With great passion, outstanding negotiation skills and due diligence, she has helped many buyers and sellers in their real estate needs. Living in West San Jose for more than 14 years, she has broad knowledge in Cupertino, West San Jose, Los Altos and Saratoga. She has enormous patience working with buyers and never tired of showing all possible properties that may fit client’s needs. Clients appreciate her best service to their satisfaction. She specialized in luxurious real estate purchase in Los Altos, Cupertino, Saratoga and Palo Alto. She also helped friend and past client’s referral working in San Francisco, Foster City and far reached Bay Area.
Susan Shuxian Hu was graduated in East China Normal University in Shanghai with bachelor and master degrees in Bio science. She came to US in 1989 and earned her Ph.D. in Molecular Genetics in Texas A&M University in 1996. After one year of postdoc in Southern Florida University in Tampa, she moved back to Orlando with her family and started working in Lucent Technologies. In 2002, Susan moved to California, Silicon Valley joined a start-up company. Since then she worked in high tech Corporation till 2009. Driven by her dream job pursuing, she found her passion working in sales by helping people in real estate after one year of education in De Anza business and real estate law study. Since then, she has been serving many people in Bay Area for their real estate needs.
With bilingual advantage, she has been actively working with Chinese immigrants as well as local engineers and residents. With rich high tech background and connection with Chinese community, Susan has served in luxurious real estate in last a couple of years.