Will Renters Insurance Cover Dogs?

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   Darald Novak AAI

   Retired Agent and Broker, Self Employed, Albany NY USA

   In New York, one of the standard exclusions under the property coverages is something along the lines of 'animals, birds, and fish.'   If you own a valuable dog, a 'canine mortality' policy would be appropriate to insure the value of the animal.  There are also health insurance policies available for dogs.  If you meant to ask 'Are dog bites/attacks and/or damage done by my dog covered under the personal liabilityy section of a renters policy?',  the answer depends on a reading of your policy. Many carriers have a 'dog exclusion' endorsement which voids liability for either all owned dogs or specific breeds.  A competent agent or broker should (as a standard procedure) assess/survey your hazards and include questions to you about owned animals (especially dogs) as many carriers will not accept as new risks those individuals owning certain breeds of dogs.   Always determine prior to purchase that the insurance policy you wish to purchase provides coverage for your exposures;  if the policy covers the liability exposure of the animals you own.  If the policy application contains questions about animals, make sure they are answered completely and truthfully, you sign the application, and you retain a copy of the application ( or anything else you sign - always and without fail).  If you cannot obtain a copy, do not complete the transaction.

   Answered on March 12, 2014

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