What Austin Pet Owners Need to Know About Renters Insurance
September 3rd, 2013 | Posted by in Austin
You’ve got an adorable, lovable pet that’s there to greet you at the door each day after work and spends just about every second of the weekend with you. To you they are docile domesticated creatures. To others your pet is a threat.
As crazy as it may seem there may come a time when your pet might not mesh well with a person and that can lead to trouble – bites, scratches, medical bills. If you’re a pet owner you can cover yourself with renters insurance.
Pets, Renters Insurance and Other Options
When it comes to making sure you won’t be on the hook if your dog decides to bite someone or your kitty accidentally claws a person renters insurance can come to the rescue. Many of the leading insurance companies include pet problems in the liability coverage portion of renters insurance.
However, read the fine print. If they do include pet-related incidents it could be limited to certain pets or types of events, like a dog bite. The renters insurance also may exclude certain breeds of dogs that are seen as more aggressive. These include Pit Bulls, Rottweilers and Doberman Pinschers. Check out the liability limit. Pet-related incidents may go all the way up to your policy’s regular liability limit or it may be lower.
Here are a few examples of what renters insurance could cover:
If you’ve been thinking about getting pet insurance a policy could do more than help keep your pet healthy. Some pet insurance policies cover things like behavioral therapy and kenneling which may be needed if an incident were to occur.
When Insurance for Pets is Required
Here in Austin a landlord can require that a tenant get renters insurance. They do this for liability purposes because their insurance for the property won’t usually cover your possessions or incidents that are deemed negligence on the tenant’s part. The last thing they want is a person to sue their insurance company because you don’t have an insurance company to sue. To landlords a pet represents additional risk.
Landlords may require that you get a policy that covers your pet and could also request that you get a minimum liability limit that they feel is adequate.
The City of Austin may also require that you have certain insurance if your pet has been registered as a ‘dangerous dog’. This doesn’t have to do with the breed – Chihuahuas can make the list. If your dog bites someone and they submit a bite affidavit with the city then your dog will now be labeled a ‘dangerous dog’. The city requires that owners of dangerous dogs have at least $100,000 in liability insurance.
http://renters.apartments.com/austin/what-austin-pet-owners-need-to-know-about-renters-insurance/
As crazy as it may seem there may come a time when your pet might not mesh well with a person and that can lead to trouble – bites, scratches, medical bills. If you’re a pet owner you can cover yourself with renters insurance.
Pets, Renters Insurance and Other Options
When it comes to making sure you won’t be on the hook if your dog decides to bite someone or your kitty accidentally claws a person renters insurance can come to the rescue. Many of the leading insurance companies include pet problems in the liability coverage portion of renters insurance.
However, read the fine print. If they do include pet-related incidents it could be limited to certain pets or types of events, like a dog bite. The renters insurance also may exclude certain breeds of dogs that are seen as more aggressive. These include Pit Bulls, Rottweilers and Doberman Pinschers. Check out the liability limit. Pet-related incidents may go all the way up to your policy’s regular liability limit or it may be lower.
Here are a few examples of what renters insurance could cover:
- Medical bills
- Lawsuits
- Damage to property
If you’ve been thinking about getting pet insurance a policy could do more than help keep your pet healthy. Some pet insurance policies cover things like behavioral therapy and kenneling which may be needed if an incident were to occur.
When Insurance for Pets is Required
Here in Austin a landlord can require that a tenant get renters insurance. They do this for liability purposes because their insurance for the property won’t usually cover your possessions or incidents that are deemed negligence on the tenant’s part. The last thing they want is a person to sue their insurance company because you don’t have an insurance company to sue. To landlords a pet represents additional risk.
Landlords may require that you get a policy that covers your pet and could also request that you get a minimum liability limit that they feel is adequate.
The City of Austin may also require that you have certain insurance if your pet has been registered as a ‘dangerous dog’. This doesn’t have to do with the breed – Chihuahuas can make the list. If your dog bites someone and they submit a bite affidavit with the city then your dog will now be labeled a ‘dangerous dog’. The city requires that owners of dangerous dogs have at least $100,000 in liability insurance.
http://renters.apartments.com/austin/what-austin-pet-owners-need-to-know-about-renters-insurance/
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