Renter's Insurance normally includes Liability Insurance coverage, which would pay for acts of a pet. There are some policies with sub-limits for acts of pets (means they pay less than your regular liability limit if a pet causes someone to sue you), and some with exclusions for acts of pets, so it really depends on your policy.
Keep in mind that if your dog bites someone, your insurance will normally cancel the policy if you keep the pet as they believe that a dog who has bitten before will likely bite again. I don't necessarily agree with that logic but I have seen a lot of families have to put a pet to sleep because it has bitten someone - either due to insurance requirements or law enforcement requirements.
Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
The renter’s or tenant’s policy is the correct place to find coverage. If you are legally liable for a dog bite, that is covered by a tenant’s policy. However, many companies endorse their policy to restrict the amount of coverage for an animal. The endorsement may even deny coverage for certain breeds. If you have pets you should read your policy closely.
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Keep in mind that if your dog bites someone, your insurance will normally cancel the policy if you keep the pet as they believe that a dog who has bitten before will likely bite again. I don't necessarily agree with that logic but I have seen a lot of families have to put a pet to sleep because it has bitten someone - either due to insurance requirements or law enforcement requirements.