How do I add a pet to my renters insurance policy?
When obtaining a quote for renters insurance, you’ll typically be asked to provide information about the pets or animals you own or keep at your home. If you acquire or adopt a pet after obtaining your renters insurance, you can contact your agent or insurer to amend your policy. Most renters insurance companies cover household domestic pets like cats and dogs, but there may be exceptions, especially for certain dog breeds.
If your renters insurance company won’t extend liability coverage to your pet, you may be able to purchase a separate animal liability policy from another insurer. The cost of an animal liability policy may vary based on your pet’s breed and size, as well as your location and the limits you choose.
Pet damages that aren’t covered by your renters insurance policy
- Damage to your own property: Renters insurance doesn’t cover pet damage to your personal belongings. For example, if your cat decides to use your sofa as a scratching post, you’ll have to repair or replace it yourself.
- Injuries to yourself, your family, and/or roommates: Your renters insurance policy won’t pay for dog bites or other injuries sustained by anyone who resides in your home, but does cover houseguests.
How much will I pay for renters insurance with pets?
Most renters insurance companies include coverage for household pets within your base premium. However, that may vary by insurer.
What’s the difference between renters insurance and pet insurance?
The primary purpose of renters insurance is to protect your property and assets if you live in a rental unit. The liability coverage included in your policy also applies to your pets, and in some cases may pay for the damage your pet causes to someone else’s property.
Pet insurance is designed to help with unexpected veterinary bills in the event of an illness or injury and may be able to help with preventative care. If you’re looking for coverage when your furry friend gets sick, learn more about pet insurance.
