Insuring your home property - does this also cover animals and pets? Does the loss of a pet covered by insurance? There are expensive pets out there.
What about personal liability coverage?
does this give you protection
against any claim caused by an unintentional act.
This coverage will include the acts of your pets. It
is critical that you purchase this type of coverage
in your renter's insurance policy to cover yourself
should your pet harm another person or damage the
property in any way.
It's easy to think of it this way--typically a
landlord will require a pet deposit on your home to
use in the event that your pet destroys or damages
anything in the home. Cats that are not de-clawed
can wreck havoc on wood floors as well as pull at
the carpeting--in this case your landlord would not
return any of your deposit should any damage be
incurred. Renters insurance works in almost the same
way except the difference is that you are being
proactive by protecting yourself up front against
anything your pet may do, albeit accidentally, to
the dwelling or another person.