The personal liability portion of renters insurance covers third-party damage or injury caused by your pet. This means you are covered if your pet hurts others or damages others’ property, while you and your property are not covered. When you purchase a renters insurance policy, you’ll have to decide on a liability coverage limit, and you’ll be responsible for expenses above that limit.
Some examples of pet incidents typically covered by personal liability insurance include:
- Your cat scratches a guest, and they require medical treatment.
- Your dog bites a visitor, and they need to go to the hospital.
- Your pet damages a guest’s personal property, like having an accident on their expensive laptop.