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Sep 13

Florida Renters Insurance And Pet Liability

Dog owners often find it difficult to find a place to rent, and if the breed is considered potentially dangerous, such as a Pit Bull, Staffordshire Terrier, Bull Terrier, Rottweiler, or Akita, to name a few, renters insurance in Florida is advised in the event the animal does indeed bite someone and legal action ensues.

Even if a dog has been labeled as dangerous or potentially a threat, there are policies available that will cover incidents involving the pet. There are renters insurance policies include dog liability insurance which may help to put a landlords mind at ease.

How renters coverage works

This policy is basically intended to cover both, personal property and liability issues. Having this coverage in place can replace any personal property if it is lost in a fire, or it is stolen from the apartment, or even while being transported in a vehicle, if a pipe was to burst and water damage occurs to clothes, electronics or furnishings.

As for liability concerns, the insurance will also cover accidents or negligence resulting in injuries or bodily harm. Liability is the unintentional actions performed by the renter or his or her pets, which can cause harm or bodily injury to other people or other peoples personal belongings.

For example, accidentally bumping into an older person at the grocery store with a cart and they fall and suffer injuries requiring they see a doctor- the policy will help to cover the medical expenses, any loss of wages and attorney fees for this person.

In the case of a dog or pet that jumps on someone, causing them to fall back and sustain some type of injury, if the medical bills totaled $40,000 or more, without this coverage that money would become an out-of-pocket expense.

Some breeds of dog may not be covered

The policy will also cover renter if their dog bites someone or another animal (as long as the dog is not given a command to bite).Keep in mind not all Florida renters insurance policies are equipped to cover all breeds of dog.Many insurance companies may restrict coverage for any animal that they consider dangerous or on a blacklisted breeds list.

As the owner one of these dogs, the renter should speak to an agent dealing in 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.

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