Does Renters Insurance Cover Dog Damage?
37376 POINTSview profileDavid G. Pipes, CLU®, RICP®Business Development Officer, T.D. McNeil Insurance Services, Fresno, CaliforniaIf your dog damages your apartment, you might have coverage under the liability section. Sometimes a company will put a form into your policy that would restrict the amount paid, or even deny coverage depending on the breed of the dog. If the dog that damages your rented property isn’t your dog you can sue the owner of the dog.Answered on March 27, 2014flag this answer
7647 POINTSview profileMark Bartlett CLCSBranch Owner, TWFG Insurance Services, Fremont California and the Greater Bay Area Representing Dozens of Insurance CarriersIf there is any coverage at all it would fall under liability. This means your landlord is going to sue you for the damages of which your insurance provider will have to step up and defend at the very least. The insurance carrier will then make a determination if there is coverage. My question is, did the landlord allow you to have the dog?Answered on March 30, 2014flag this answer- 37376 POINTSview profileDavid G. Pipes, CLU®, RICP®Business Development Officer, T.D. McNeil Insurance Services, Fresno, CaliforniaIf your dog damages property, such as a door, there might be coverage. Many companies specifically exclude or restrict recovery if certain breeds or types of dogs are concerned with personal injury. This principle might also apply to physical damage. Most landlords require a damage deposit before renting property to someone who had an animal.Answered on August 6, 2014flag this answer
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