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Are pets covered under renters insurance?

I just adopted a dog from my local animal shelter! I’m already obsessed with her, and she gets to join my cat at home. My apartment allows pets, so I’m not worried about that, but I’m going to have a lot of training to do with this girl. She can be kind of reactive when she’s stressed and still has to learn what she can’t chew on. While we’re getting there, I want to make sure my bases are covered. Are pets covered under renters insurance?

avatar
Melanie Mergen · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
How exciting to add a new furbaby to your home! You’ll be glad to know that yes, pets are covered under renters insurance, to an extent.
A standard renters insurance policy’s coverage of your pets falls mostly under personal
liability
protection, which will help cover legal fees if your pet were to bite or otherwise injure someone or damage their property while they were on your property.
Note that some policies will have restrictions for certain dog breeds.
There are certain types of pet incidents that likely won’t be covered under your renters insurance policy.
  • If your pet were to damage any of your personal belongings, you’ll, unfortunately, have to repair and replace these yourself. If you were borrowing these items from a friend, that’s another story, and something your renters insurance policy may cover.
  • Renters insurance wouldn’t cover your pet’s medical needs, no matter the cause; you’d need pet insurance for that.
If you have particular pet concerns and you don’t see them outlined in the policy you’re considering, ask your insurance provider for more details.
If you’re looking for a better renters insurance policy for you and your furry family members,
Jerry
can help you get started. In less than a minute, you can start reviewing
renters insurance
quotes from top insurance providers to find the best policy for you at the right price. If you have questions that come up, Jerry’s friendly and experienced agents are here to listen and offer advice.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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