Pet Liability Insurance for Renters

Pets are one of the most wonderful parts of our lives. They give us love, affection, understanding, and even compassion in times of need, when no one else is around or even understands our troubles. However, even the most perfect of pets can get into trouble from a bad chewing, scratching or potty habit. If you’re a homeowner, it’s a little easier because the property being destroyed is yours, but if you’re a renter, this may be cause for great financial concern.

Not all renter’s insurance covers pet injury or damage liability. The important thing to remember here is that the injury and damage we are referring to is the kind your pet inflicts on others, such as dog bites and property damage. Some insurance companies like Allstate include pet damage or injury as part of their renter’s insurance in most states. However, in some states it is excluded from coverage on all basic homeowners and renter’s policies. There can also be limits be limits to coverage, and many insurance companies will deny you coverage depending on the breed of your dog.

If you are just entering into a rental living situation or are a new pet owner, here are 4 Things to Consider When Shopping for Renter’s Insurance:

1. You may need to switch your renter’s insurance to a company that covers pet liability.
2. If your insurance company doesn’t cover pet liability, their coverage is low, or if they only cover pet liability “on premises,” consider a separate pet liability insurance.
3. Consider a more cost-effective approach called a “personal umbrella liability policy” that doesn’t exclude animal (or pet) liability.
4. Visit insuremycanine.com to learn about pet liability insurance and to get a free quote.

So, what are the hardest breeds to insure? The top 12 “Bad Breeds” most commonly denied liability coverage are:

• Pit Bulls & Staffordshire Terriers
• German Shepherds
• Doberman Pinschers
• Rottweilers
• Akitas
• Alaskan Malamutes
• Chows
• Great Danes
• Presa Canarios
• Siberian Huskies
• Wolf-hybrids

As pet parents, we know that there is so much more to a dog’s temperament and behavior than just their breed, but for insurance companies, your dog’s breed could play a major role in whether you get liability insurance and how much it will cost.

Aggressive behavior in any dog breed can be dangerous and lead to serious injuries and even death. One of the most common fears of dog bites is being infected with Rabies.

September 25th is Rabies Awareness Day. Rabies is a contagious and fatal viral disease of dogs and other mammals that causes madness and convulsions, which is transmissible through the saliva to humans. A local veterinarian can administer a common and inexpensive preventative rabies vaccine yearly or every three years to ensure that your pet doesn’t get infected with the disease. This will also protect anyone your dog may bite from contracting it as well.

As responsible pet parents, whether we own our home or rent, it is our duty to make sure that we provide the best possible medical and psychological care for our pets. This means taking them to the vet regularly and properly socializing them so they are not threatened by normal, every day situations.

While pet liability insurance may prove to be difficult to get for the “Bad Breeds,” pet health insurance is easy to get, affordable to have, and can help you pay for unexpected vet bills. Visit epetsure.com to search for pet insurance providers and compare pet insurance plans today. The best part is that both Embrace Pet Insurance and Figo Pet Insurance cover the cost of behavioral care.

Originally published at epetsure.