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Does USAA renters insurance cover carpet damage?
My lease will be up soon, and I’m moving to a new apartment. Anyway, I have to admit, the wall-to-wall carpeting in my living room was kind of trashed by my German Shepherd puppy. I did get most of the stains out, but there’s a section that looks bad. I’m afraid my landlord is going to make me pay for the carpet damage (and keep my deposit). So here’s my question: Does USAA renters insurance cover carpet damage?
Rachel Rigolino · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
With puppies come wet kisses, wagging tails . . . and general mayhem. Sorry, but your USAA renters insurance doesn’t cover this type of carpet damage. Pet damage is considered negligence on your part—and before you get too upset by being called negligent, think of it from your landlord’s point of view. She’s responsible for the carpeting, and her next tenant would likely balk at having to live with puppy stains (especially if the tenant is not an understanding pet parent).
Now, you haven’t said whether you’ve tried a professional carpet cleaning company or not. It’s certainly worth a try.
A final note about carpet damage: If the damage had been due to a burst water pipe or another peril covered by your landlord’s insurance policy, then she’d submit a claim to her policy.
I’m afraid you’ll have to chalk up the cost of dealing with this problem to the expenses of owning a puppy—but I’m sure he’s worth every penny, right? Wags and wet kisses!
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