Pet Liability Insurance vs Renter Insurance with Liability Coverage

[Andy S.]

Hello friends, I am about to onboard a new tenant in NJ. She has a small 20lb dog (offcource sweet and well behaved). Any advice you can give me regarding what kind of liability insurance coverage I must ask her to get?

She says her renter insurance will provide liability coverage up to 300K. That include dog bite as well.

Do I ask her to get a separate pet liability insurance or current renter insurance with 300k liability coverage mentioned above would suffice?

Kindly advise.

Regards

[John Schaeffer]

Hey Andy,

Her renters insurance will cover a dog bite IF she has a dog that's on the approved list. I would go much higher than 300k liability and do 500-1M if possible.

HOWEVER,

On your landlord policy it might ask if you allow pets, and if you do the TENANTS pets must be on YOUR carriers approved list as well.

Hope this helps. Happy to speak further if you have any questions