While pets can bring joy and companionship, they also have the potential to cause damage and serious injuries. Millions of Americans suffer pet-related bite or fall injuries each year. If you rent a home and have one or more domesticated animals, there’s always a risk that a visitor, neighbor, or pedestrian could be harmed.

Insurance Coverage

Renters insurance typically provides pet-related liability protection. It often covers damage or injuries caused by pets in Reno, NV. Be sure to discuss any animals with your agent when you sign up for a policy or adopt a new pet. Insurers may refuse to cover a dog that has attacked someone in the past.

There are also some restrictions on coverage for property damage. Renters insurance won’t cover repairs or replacement when a pet harms your own belongings. This type of policy doesn’t cover the building you live in, so it usually won’t insure against damage to the landlord’s property. Such damage is likely to be covered by your security deposit.

Veterinary Care

Renters insurance doesn’t cover veterinary treatments or loss of the pet itself. This is true even if your pet is injured while inside the rental property. Pet insurance or pet theft insurance can cover these expenses. Some auto insurers include coverage for animals that suffer injuries in vehicle accidents. Renters insurance may cover pet boarding if you have to leave your home due to a fire or another covered event.

When you need renters insurance that covers your belongings and pets, the friendly staff at Hinman & Associates Insurance can help. We offer top-notch customer service and a variety of dependable coverage options. Our agents take the time to learn about each client’s particular needs. Contact the Hinman & Associates Insurance office in Reno, NV, by calling 775-348-6262 today.