Renters Insurance for Pet Owners: What’s Covered?

Bringing a pet into your rental home adds warmth, companionship and the occasional muddy paw print. But for renters, it also raises important questions about insurance coverage. Understanding how renters insurance works for pet owners can help you avoid unexpected expenses.

Does Renters Insurance Cover Pet Related Damage?

In most cases, renters insurance does not cover damage your pet causes to your own belongings or to the rental unit itself. If your dog chews the baseboards or your cat scratches the carpet, those costs typically fall to you, the tenant.

However, renters insurance often does provide liability coverage for damage your pet causes to other people’s property. For example, if your dog knocks over a guest’s laptop, liability coverage may help pay for repairs or replacement, subject to policy limits and exclusions.

What About Pet Related Injuries?

If your dog bites someone or accidentally injures a visitor, liability insurance may help cover medical bills, legal fees and related costs. Some breeds or animals may have restrictions or require supplemental coverage, so it’s important to review your policy details and discuss options with your insurer.

Are Pets’ Belongings Covered?

Your renters insurance may cover personal property damaged by covered events such as fire, smoke or theft. This may include your pet’s items, too, such as crates, beds, toys and food, provided the event is covered; however, limits apply.

Additional Considerations for Pet Owners

If your building requires pet deposits or you’re worried about unexpected pet related issues, you may also want to explore optional endorsements or umbrella liability policies for added protection. Contact us today to learn more.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.