Maria Elena Casillas, Intero A Berkshire Hathaway AffiliatePhone: (408) 821-2649
Email: [email protected]
Email: [email protected]
Animal lovers renting property might wonder whether they have coverage in their renters insurance for pets. What if your furry friend causes damage to your rental, or causes another resident bodily harm? These are just a few common questions your policy can answer.
Many renters insurance policies include pet liability coverage. This coverage typically includes both bodily injury liability and property damage liability.
One important exception can be dog bites. Most renters insurance will cover a dog bite under the bodily injury coverage, but many policies include exceptions for certain dog breeds. Check your policy details carefully to determine whether your dog is covered, or if you need supplemental coverage.
Through the bodily and property damage liability coverage, renters insurance can help you if you’re liable for a variety of situations. Injuries caused by your pets would be covered, as would personal property damage caused by your pet - with exceptions.
While your policy might cover damage for some things, it may have specific pet-related addendums. For example, it’s common for rental policies to include exceptions for damage caused by urine stains and odor, especially if it means replacing the carpet.
Before getting a quote for a renter's insurance policy, you’ll usually be asked to provide info about your pets or other animals you keep in your home. If you have an existing policy and need to add a new pet, you can contact your insurance company to find out next steps.
The key difference between pet liability coverage in your renter’s insurance and pet insurance is only the latter is meant to protect the actual pet. Pet insurance can help recoup the cost of vet bills if your pet is sick or injured, but not if they ruin the carpet in your condo.
Regardless of whether you live in or own a rental property, this information is important for every pet owner to know.
You don’t need to do this alone. I am bilingual in English and Spanish, and I have been in the industry for over 20 years, after earning my degree in Business Management and successive studies in Human Resources and Technology. Never content to let my education lapse, I also received a certification in Negotiation Skills from Pepperdine University and attended courses at Stanford University. A leader in the field, I am a member of the Santa Clara Board of Realtors and served as a professional standards ombudsman for 8 years. I completed a term as the President of the National Hispanic Organization of Real Estate’s Santa Clara chapter in 2016, now serving as this organization’s National Vice President. I pursued additional in-depth training to achieve professional designations as an ABR (Accredited Buyer’s Representative), CRS (Certified Professional Specialist), and SRES (Seniors Real Estate Specialist), GREEN certification, and RCS-D (Divorce Real Estate Specialist). Far from being a meaningless alphabet soup, this demonstrates how proactive I am in pursuing the latest knowledge so that I completely prepared to satisfy all my sellers' and buyers' unique needs. I am committed to Excellence!
