Renting with a pet: insurance basics

What renters insurance does and doesn't do for pet owners: dog bites, damage to the apartment, and liability.

• Does Renters Insurance Cover Pets? What It Pays and What It Doesn't

  Renters insurance pet coverage pays if your pet injures someone or damages their things. It does not pay your pet's vet bills. Here's how the two policies split.

• Does Renters Insurance Cover Dog Bites? Limits, Breeds and Gaps

  Does renters insurance cover dog bites? Usually yes, up to a $100,000 to $300,000 liability limit, unless your insurer excludes your dog's breed or bite history.

• Does Renters Insurance Cover Pet Damage? Usually Not to Your Rental

  Renters insurance pet damage coverage is narrow: chewing or scratching in your own rental is excluded, but damage to a neighbor's unit can fall under liability.

• Pet Liability Insurance: Where It Comes From and When You Need More

  Pet liability insurance usually comes from your renters or homeowners policy, not pet insurance. Excluded dogs can get a standalone canine liability policy.