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Does USAA renters insurance cover pet damage?
My Pomeranian is a menace! He got out of his crate and proceeded to rip up a large chunk of my apartment’s wall-to-wall carpeting. My friend who’s a contractor says I’ll need to install a new carpet—or at least pay for replacing the carpet when I leave. Does USAA renters insurance cover pet damage?
Rachel Rigolino · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Oh no! I’m sure your Pomeranian didn’t mean it. Unfortunately, your USAA renters policy won’t cover the cost of replacing the carpet. Pet damage is not considered a standard peril under home and renters insurance policies.
However, had your Pomeranian bit a neighbor, you’d likely be covered under your USAA renters policy’s liability insurance or medical insurance. (Not that your Pom-Pom would ever bite anyone, of course!)
So, like many other pet parents, you’ll have to assume responsibility for your Pomeranian’s damage. But she’s worth it, isn’t she?
Curious about renters insurance and pet damage? Shopping around for the best renters insurance rates? Begin by downloading the [Jerry](
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providers. A licensed broker that offers end-to-end support, the Jerry app gathers affordable quotes, helps you switch plans, and helps to cancel your old policy. Even better—Jerry will help you bundle your home and auto policies for maximum savings.
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- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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