Will my renters insurance cover the sofa that my dog damaged?

Renters’ insurance is a practical way of protecting your belongings as a renter. It covers a wide variety of different circumstances that include theft, vandalism, and more. The Peninsula Underwriters Insurance Agency takes pride in helping Gainesville, FL residents understand why renters’ insurance can be a beneficial investment.

What is Renters’ Insurance?

Renters insurance provides coverage for your belongings in the event that something happens to them while living in a rented space. Renters’ insurance protects your personal belongings in any rented space, including a home, condo, or apartment.

Your coverage will pay for the repair or replacement in the event of covered perils. These perils include liability, theft, fires, vandalism, sewer backup, and more.

Your rental insurance policy can also include other options that can be added at your request. For example, some renters’ insurance policies offer coverage in the event that you have moved out of your rental for a repair. Your renters’ insurance may pay for a hotel stay if you must for a repair. There are additional options that can be added to a renters’ insurance policy. A licensed agent can discuss your options with you.

Will My Renters’ Insurance Cover The Sofa That My Dog Has Damaged?

The short answer is "no." Renters’ insurance is designed to cover specific situations and circumstances that are clearly outlined in a policy. Obviously, this means that situations that fall outside of the outlined covered perils won’t be compensated for. Unfortunately, pet damage isn’t a covered peril in a renters’ insurance policy.

Contact Us Today

If you’re interested in renters insurance and have questions, call us at Peninsula Underwriters Insurance Agency in Gainesville, FL. We’d be happy to answer all of your questions.

What coverage does renters insurance provide?

When you are a renter rather than a homeowner, you may think that you don’t need to have renters insurance. You may even think that your landlord will take care of you. They won’t. Their insurance covers their building, not your possessions. At  Peninsula Underwriters Insurance Agency in Gainesville, FL, we strive to share our knowledge with all of our customers and to answer any questions they may have about renters insurance.

As renters, content coverage is probably the main thing you think about when you consider the benefits of renters insurance. But there are other types of coverage that are equally as important, specifically liability and loss of use coverage. 

What coverage does renters insurance provide?

Content coverage

Content coverage protects your possessions at home and when you travel with them. You have options when it comes to the type of coverage you choose. Do you want to replace everything you have? The replacement coverage is what you need. If you don’t want to replace everything, then the actual value will work for you. 

Liability coverage

Liability coverage is what protects you from the result of legal action taken against you. Someone can be injured at your rental at any time and if they decide to sue, it could end up with quite a large judgment. If you don’t have a lot of spare cash hanging around, this insurance can be a lifesaver. 

Loss of use

Loss of use is exactly what it sounds like. Your rental gets damaged by a covered peril and, for a time, you have nowhere to live. Loss of use coverage will help pay for a place to lay your head and help with meals. This coverage is really important to your overall comfort. 

Contact Peninsula Underwriters Insurance Agency in Gainesville, FL, with your renters insurance needs.