San Antonio, TX, is among the most pet-friendly cities in the U.S., according to the dog park booking platform Sniffspot. The city accommodates pets at festivals, parks, restaurants, and the Riverwalk, so a pet-friendly rental area isn’t out of the question. Residents may wonder if renters insurance is equally accommodating to pets. Fortunately, our carriers at AlphaSure Affordable Insurance Services are — to a point.
Does Renters Insurance Cover Pets?
Renters insurance covers pets under the carrier’s liability section. If your pet bites a guest or another animal, your renters insurance will cover the injured party’s medical bills. Renters insurance will also cover you if your pet damages someone else’s belongings. However, the policy will not cover you if your pet bites you, your roommate, or another pet living in the same rental unit. Nor will it cover your or your roommate’s belongings if your pet damages them.
Eligibility depends on breed; some companies offer restricted coverage to select dog breeds. Those carriers have a list, which one of our agents will review with you. If ineligible, you can secure an umbrella policy, which will increase your liability coverage across your renters and auto policies. You can also select a carrier that will cover your pet. If your pet has bitten someone in the past, obtaining a new renters insurance policy will be challenging.
Does Renters Insurance Cover Exotic Pets?
Renters’ insurance in San Antonio, TX, does not cover livestock, reptiles, or wild animals. It favors cats and dogs. However, there is farm insurance for livestock animals and exotic pet insurance for reptiles and wild animals that you can pair with renters insurance to cover your liability.
At AlphaSure Affordable Insurance Services, we want your pet to roam freely indoors without worrying about liability headaches. We will review the policies of our partner carriers to give you options. We’ll also take the time to customize the policy to meet you and your landlord’s qualifications. Contact us for more information on renters insurance for pets.