Renters insurance is designed to protect your belongings in Nashville, NC, and to provide liability protection. Yet, what happens if your pet destroys something or injures someone? The experts at Hedgepeth-Hutson Insurance Services Inc. can help you understand what your policy will and will not cover.

Coverage Depends on Where the Damage Occurs

If your pet causes damage in your unit, renters’ insurance will not cover it. For example, carriers view damage such as chewed-up electronics or damaged couches as part of the cost of pet ownership. Similarly, if your pet damages walls or baseboards, your landlord will make the repairs and deduct the cost from your security deposit when you move out.  The only time your policy will cover damage from your pet is if the animal causes a covered risk, such as a fire.

Damages or Injuries to Others

The liability portion of your policy will cover the cost of damages or injuries to people who do not live with you. If your dog escapes into a neighbor’s yard and damages patio furniture, your policy’s property damage liability will pay for the damages. Pet bites to others, including medical fees, are also covered.

Critical Considerations

Some insurance companies exclude certain dog breeds, such as pit bulls or Dobermans, from coverage because they pose an excessive risk. Exotic animals, including lizards and large birds, are usually excluded from many policies. You can protect yourself by purchasing a separate pet liability policy. Many companies now offer an inexpensive endorsement that you can add to your renters insurance to protect damage to your personal belongings. Read your policy carefully to determine if you need additional coverage.

Get the renters insurance coverage you need by working with the agents at Hedgepeth-Hutson Insurance Services Inc. Call our Nashville, NC, office to get started.