If you keep a pet in your rental property in Niles, OH, your landlord may impose specific rules regarding your furry friend. Generally, you will be responsible for any damage your pet causes in your home. Your renter’s insurance does not automatically cover damages caused by pets. Ruddy Insurance Group can help you understand what renters’ insurance will cover and what additional options you may need to consider.
What Pet Damage Is Covered?
The liability portion of your renter’s insurance policy can protect you from certain incidents involving your pet. For example, if your pet damages a visitor’s personal property, your policy may cover the cost of repair or replacement. Similarly, if your pet injures someone through bites or scratches, your policy may cover medical bills. However, it is crucial to review your policy for exclusions related to injuries carefully. Some insurers automatically exclude coverage for certain dog breeds they consider dangerous, such as pit bulls or German shepherds. Liability coverage may also include legal costs, typically ranging from $100,000 to $350,000.
Common Pet-Related Exclusions
A standard renters insurance policy typically does not cover the following:
- Damage to your own personal belongings
- Damage to the landlord’s property, such as walls or flooring
- Injuries caused by pets to members of your household
How to Protect Yourself
Some insurers offer endorsements to cover damage to your own property caused by pets. Additionally, certain insurers may provide endorsements for injuries caused by breeds considered dangerous. However, a more comprehensive option for these situations may involve purchasing an umbrella policy. Umbrella insurance can cover medical and legal expenses resulting from severe injuries or damages caused by pets.
Explore your options for covering pet-related damages when renting in Niles, OH. Schedule an appointment with the Ruddy Insurance Group by calling our office today.
