Dog Liability Insurance for Renters
You have Renters insurance to protect against physical damage to the things inside your home – from furniture to electronics and clothing. A Renters policy also provides liability insurance in case a third party is injured in your home and incurs medical expenses or sues you. The amount of coverage, of course, depends on how much you purchase.
Does Renters Insurance Cover Dog Bites?
You may be wondering if your Renters insurance also covers dog bites. Your beloved best friend may end up biting a stranger or guest to your home, running up medical expenses that go beyond what you can afford to pay out of pocket. You may even end up in a lawsuit involving the injury. Will your Renters policy help out with these costs?
While Renters insurance may provide coverage, most policies typically come with restrictions. Renters policies have a long list of restricted dog breeds. They also won’t cover a dog that has bitten someone in the past. Not every policy will cover dog bites that occur off your property, such as when walking in your neighborhood or at the dog park.
In addition, many landlords require tenants to have Canine Liability insurance before renting an apartment or townhome to them.
Canine Liability Insurance for Renters
To ensure you have proper coverage in the event of a dog-bite incident, it’s best to purchase a standalone Canine Liability policy. First of all, our policy covers all breeds – even those considered “dangerous” by insurance companies that exclude them from Renters insurance. These include Pit Bulls, Rottweilers, German Shepherds, Saint Bernard’s, Great Danes, Dobermans, and Huskies, whether pure or mixed breeds.
In addition, if your dog has a history of biting, our online quoting system will dig deeper with additional questions to determine the circumstances of the incident(s) to offer coverage.
The Canine Liability policy will cover incidents that occur away from your home. We can also add your landlord as an additional insured on the policy. This will cover you and your landlord for medical expenses to the injured party and defense and settlement costs, if any.
Don’t risk going without Canine Liability insurance. More than 4.7 million people are injured by dogs each year, with the average claim in 2022 rising to $64,555 due to increased medical costs as well as the size of settlements, judgments, and jury awards.