Does my renters insurance protect against my dog biting someone or another dog?

Renters insurance typically includes liability coverage, which can protect you if your dog bites someone or another dog. If your dog causes harm to someone, such as biting them, you could be held responsible for their medical expenses and other damages. Liability coverage can help cover these costs, up to the policy limit. It's important to note that not all dog breeds are covered by renters insurance, as some breeds are considered high risk and may be excluded from coverage. In addition to liability coverage, renters insurance may also provide coverage for damage caused by your pet to the rental property. For example, if your dog scratches or chews up the walls or floors in your apartment, your renters insurance may help cover the cost of repairs. However, it's important to check your policy to see what types of damage are covered and what the limits are. It's important to disclose to your insurance company that you have a pet, as this may affect your coverage and premiums. Some insurance companies may require you to obtain additional coverage or may charge higher premiums if you have a pet. It's also important to note that renters insurance typically only covers your personal property and liability while you are in your rental unit or on the property. If your dog causes harm to someone or damages property while you are outside of your rental unit, such as at a dog park, your renters insurance may not provide coverage. It's always a good idea to read your policy carefully and ask your insurance agent any questions you may have to ensure that you have the right coverage for your needs.