Countless studies have been conducted proving that pets improve the quality of life. Pets are part of our family and we share our lives with them. It also holds true that we also share our living space.
If you rent your home and have renters insurance, your pet could potentially have an impact on your current policy and what is covered. To better understand the complications pets may have on renters insurance, the experts at Bryant Insurance, serving the residents of Monroe, GA, and the surrounding areas, have put together a short description of the ways pets can impact your insurance.
Pets and your Renters Insurance
One of the most common questions asked is if pet damage is covered under renters insurance. The answer is, "no." Because the purpose of renters insurance is to cover accidental damage that is caused by fire or storms, for example, the damage that your pet has caused would be the sole responsibility of the policyholder in most instances.
What about the damage that your pet may cause to people?
This is where things can get tricky. While rare, cats can inflict injury on people and most likely this will be covered. Dogs, on the other hand, can be a bit more challenging. Unfortunately, depending on the insurance policy and the type of breed the dog is, the injury may or may not be covered. Certain breeds of dogs can be labeled as more prone to bodily injury than others, and as such, have adjustments within the renter’s insurance policy.
If you need more information about how your dog could be impacting your renters insurance, feel free to reach out to the professionals at Bryant Insurance. Proudly serving Monroe, GA and the surrounding areas, we would be happy to walk you through your current renters insurance policy and examine a list of dog breeds that the restrictions may apply. If you are in need of new renters insurance, we would love to help. We are always taking on new clients and would be honored with the privilege to serve you today.