PET-PROOF YOUR RENTAL SPACE BY UNDERSTANDING RENTERS INSURANCE FOR PET DAMAGE

Pets are beloved family members, but they can also cause challenges in rental homes, from scratched floors to chewed furniture. Understanding whether renters insurance covers pet-related damages, including dog bites, is crucial.

Risks of Pet Ownership

Pets, even well-behaved ones, can damage rental properties with scratches, chewed furniture, and muddy paw prints. Over time, these issues could affect your security deposit when moving out.

Dog Bites and Legal Concerns

Dog bites are serious; in 2021, the average settlement for dog bite claims was around $49,000. You may face lawsuits if your dog injures someone.

Insurance Coverage

Renters insurance generally covers sudden, accidental damage but often excludes gradual pet-related damage. Liability coverage may help if your dog bites someone, but check for breed exclusions or coverage limits.

Preventing Pet Damage

To minimize damage: invest in obedience training, ensure adequate exercise, supervise your pet, discuss pet agreements with your landlord, pet-proof your space, and clean regularly.

Get Help from Action Insurance Group

For clarity on renters insurance and adequate coverage, contact Action Insurance Group at 503-954-1654. Our agents can help review your policy and address any concerns.