Cadence, who needs South Padre Island, TX renters insurance, writes to us with a common question. She wants to know,
Can I get renters insurance with a dog? My dog is totally harmless and well behaved, but she’s part of my family and I’d very much like to take her with me when I get my first apartment. I’ll need renters insurance in South Padre Island, TX, before I move in, so I want to make sure I can take her.
Great question, Cadence, and one we get all the time. The answer is, “It depends!” Why? Actually, there are a couple of reasons.
Can I Get Renters Insurance With A Dog?
Can I get renters insurance with a dog? We hear that question quite often and it depends on many factors. These include the carrier, the type of dog, the dog’s history, and more! Learn all the details about getting renters insurance with a dog!
Can I Get Renters Insurance With A Dog?
What kind of dog is it? If it’s a Dachshund, chances are pretty good. If it’s a breed that has a reputation, you might have to look a little harder. Breed restrictions can be overcome with the right carrier or the right endorsement, though. Getting renters insurance with a dog doesn’t have to be difficult just because of the perception of that particular breed.
On the other hand, and we know this isn’t true for you Cadence yet it’s worth mentioning, if your dog has a history of biting or menacing others, you’ll have some real trouble getting coverage. There are specialty carriers who will take this on, but you might end up with a separate policy on top of your renters insurance, which might exclude liability for your dog.
Renters Insurance With A Dog
So When Can I Get Renters Insurance With A Dog?
Most of the time, dogs are generally great friends and we love them. If your dog is well behaved, and not on the list of dogs that people have concerns about, you shouldn’t have an issue at all. It’s possible to get renters insurance with a dog. Worst case, you’ll have to look a little harder.
That’s why it’s so important to work with a Texas renters insurance provider that understands the needs of each individual renter and can get you the perfect policy for your needs.
Effective Coverage has years of experience in placing the right renter in the right policy, at the right price. Working with Effective Coverage ensures you have the right policy for your needs and that you’ll have the coverage you expect, should the worst happen. Call Effective Coverage at (800)892-4308 or click above for a free, instant online renters insurance quote!