Many renters insurance policies include some type of dog liability insurance which may help to put a pet owner’s mind at ease. However, owners of dogs considered potentially dangerous, such as pit bulls, Staffordshire Terriers, Bull Terriers, Rottweilers, or Akitas, often find it difficult to find a place to rent, much less acquire the necessary insurance for their dogs.
Even when a dog has been labeled as a danger or potentially threatening, there are policies available that will cover incidents involving your pet. At the very least, renters dog insurance in Florida is advised in the event your animal does bite someone and legal action is taken. You might want to look into dog liability insurance solutions that will give you added protection as well.
How liability coverage works for renters
Where dog liability concerns are an issue, your insurance is there to cover accidents or negligence resulting in injuries or bodily harm. Liability results from the unintentional actions performed by the renter or his or her pet, which can cause harm or bodily injury to other people or other people’s personal belongings.
For example, if your animal bumps into a child and they fall and suffer injuries requiring them to see a doctor, the child’s parents will, at the very least, likely sue for medical costs. The policy will help to cover these medical expenses, and, if a claim ensues, attorney fees for the family as well.
In the case of your dog attacking a person, or another animal, which again results in some type of injury being sustained, without this coverage any money needed for a settlement would become an out-of-pocket expense for you, the dog’s owner.
Some breeds of dog may not be covered
Keep in mind that not all Florida renters policies that include dog liability insurance are equipped to cover every type and breed of dog. There are insurance companies that will restrict coverage for any animal that they consider “dangerous” or on a blacklisted breeds list. Again, you may want to seek separate coverage for your dog through a dog liability insurer.
As the owner of one of these dogs, you should speak to an agent dealing with renters insurance to see if pet liability coverage is included or can be purchased separately. If there are no restrictions then the dog will be covered under the liability section of the policy as they are considered part of the family.