The most common answer is, it depends. There are a few factors to consider, and they’re all laid out either in the policy or the underwriting standards. Amarillo, TX Renters Insurance rules on dog bite coverage are going to be specific to the insurance company and your policy, but the important questions are similar across the board.
Did You Disclose The Dog?
You have a dog. You know, or should know, that the insurance company will be very interested in the specifics of that dog. Did you disclose the dog? Did you fully disclose the breed? “Mutt” is not sufficient – in some cases, the presence of any prohibited breed in the mutt will make the dog unacceptable to a carrier.
Often, you’ll be asked questions about the dog, but you should disclose even if you’re not proactively asked. Why? Because your policy can be cancelled or even rescinded (no coverage ever existed) for material misrepresentation of facts about the risk that’s being taken on. The insurance company relies on information you provide about the risk to determine whether it’s able to take the risk on, as well as how to price it, so honesty here is crucial.
Is Your Dog An Acceptable Breed?
Insurance companies that write Amarillo, TX Renters Insurance for people with dogs want to know what breed the dog is. There is a list that underwriting maintains determining which breeds are too high-risk to be acceptable. If your dog is on the list, the policy shouldn’t be written. If written, it can and will be cancelled, usually at the worst possible time such as when they find out the dog’s breed because it’s bitten someone.
Once again, honesty is imperative.
Is There An Exclusion For Animal Liability?
We can think of at least one insurance company in Texas who excludes coverage for any and all liability arising from the owning or keeping of animals of any kind. When you mention you have a dog, that will influence the choice of policies that you’re presented with, because some companies won’t accept the liability at all.
In that case, you could still buy the Amarillo, TX Renters Insurance, but if you do, there would be no coverage for liability from your animal. That’s not just for dog bite liability, but for things like damage claims, as well. This is not a situation you want to be in as a responsible dog owner.
It’s important to ask the right questions when you’re shopping for renters insurance in Amarillo with a dog, and it’s important to listen carefully to the answers as well as to be brutally honest about the dog or dogs and the risk overall. “Forgetting” to mention your dog will not get you a policy, it will get your coverage rescinded when you least expect it and when you most need it.
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