Does Renters Insurance Cover Animals?

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    David G. Pipes, CLU®, RICP®
    Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
    There are two parts to this answer because there are two coverages in a tenant’s policy.  Animals are normally not covered as personal property.  If your pet dies in a house fire, there probably isn’t any recovery.   However, if your animal hurts someone other than a household member, there might be coverage if you are legally liable to pay damages.  However, you should carefully check your policy as many exclude various breeds of animals and many also limit the amount of liability coverage in the event of an animal related incident.
    Answered on March 20, 2014
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