If you have a pet, your renters insurance in Lilburn, GA, may not necessarily cover damages. The type and breed of your pet, along with specific circumstances, may preclude coverage. Nevertheless, Garrison Insurance Group can help you obtain insurance that protects you from damage or injuries that may occur while you rent.
Standard Policies Specify Exclusions
When your pet damages your furniture or causes normal wear and tear that your carrier deems preventable, you won’t receive coverage. If your pet chews your furniture, scratches doors, stains carpets or damages baseboards, these damages won’t be covered. Your landlord may deduct these repair costs from your security deposit. Standard renters insurance is designed to cover unexpected events.
Dangerous Breeds and Exotic Animals
Insurance carriers maintain lists of dangerous dogs and other animals deemed high-risk or aggressive, and apt to cause injuries. Dog breeds commonly excluded from standard insurance coverage include the following:
- Pit bulls
- Staffordshire terriers
- German shepherds
- Rottweiers
- Doberman pinschers
- Akitas
- Wolf hybrids
Exotic animals, such as certain monkey breeds, snakes, or larger reptiles, may also fall under insurance company exclusions.
What If You Have One of These Animals?
You can probably still obtain insurance protection. Some insurance companies offer renters insurance riders, for an extra fee, that provide protection against injuries and damage your dangerous pet may cause. Another route is to buy an excess liability, or an umbrella, insurance policy. One of these policies can ensure you have sufficient coverage to pay for damages or injuries if your pet is at fault.
Let Garrison Insurance Group, serving Lilburn, GA and surrounding areas, help you find renters insurance that protects you and meets your needs. Contact the agents at our office to schedule your appointment.
