pet in snowToday, more renters are welcoming pets into their homes. In some areas, it is hard to get a landlord to agree to allow a pet to live in a rented property. The reason for this may be as simple as the fact that the pet could be noisy, but there are also numerous concerns about pet liability.

What if the pet destroys property or hurts another person? If you are planning to have a pet, you should ensure your renters insurance includes a pet damage coverage component to ensure that you and anyone else is protected.

What Do You Need Protection From?

Renters can face significant loss from a pet. You are liable for your pet's actions. If the pet, for example, damages a neighbor's property, you may be held responsible for paying for those losses. Even the most well behaved pet can pose a risk to you.

For this reason, you should have pet liability coverage. Your renters insurance already offers some level of liability protection. You should be able to work with your insurance agent to add to that liability, if necessary, to provide pet protection. Some policies may already include this. However, some renters insurance policies may specifically exclude certain breeds of dogs. Look at your current policy and ensure it is accurately representative of your risks, including whether or not you have a pet.

Pet damage coverage, which may be called animal liability, can be a very valuable type of coverage to have. You may need to purchase a separate policy just for your pet in some cases. Don't go without.

If you do not have a pet insurance policy as a part of your renters insurance, consider the addition of an umbrella liability plan. This can offer extensive coverage for high risk situations. No matter what type of insurance you have, it is important to keep it up to date so that it is specifically applicable to your needs. Let your agent help you customize a plan that gives you peace of mind.

Are you covered? Call Mosely Insurance Agency at (405) 224-1000 for more information on Chickasha renters insurance.
Posted 6:36 PM

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