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What is pet insurance for renters?
I was thinking about getting a puppy soon. My landlord’s okay with this as long as I get renters insurance. I’m a little confused, though. Is there a different type of renters insurance for pets? What is renters pet insurance?
Melanie Mergen · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Puppies are so much fun! A lot of people don’t believe their beloved furbaby could do anything wrong, but the unexpected happens, so it’s good that you’re looking into this.
Under a standard
renters insurance
policy, pet coverage usually falls under personal liability coverage. That’s most likely why your landlord wants you to get renters insurance. As long as your policy says so, your insurance would presumably cover legal and medical expenses if someone were injured by your pet on your property or if your pet damaged their property. However, even if your personal liability coverage includes dog bites, certain dog breeds may still be excluded, so keep that in mind. If you have exotic pets, they may not be covered, either.
If that’s the case, a personal umbrella policy (PUP) is something you could consider to give you added personal liability protection.
It’s also important to note that your renters insurance doesn’t cover medical expenses for your pet; you’d need pet health insurance for that.
Enjoy your puppy once you’ve found one! To make more time for puppy searching, the insurance super app
Jerry
can help you save time on looking for renters insurance. It only takes about a minute to start reviewing quotes from top insurance companies and to see even bigger savings, you can also bundle with your car insurance. If you have any questions Jerry’s friendly and experienced agents are here for you with answers and advice.View full answer
- 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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