Do you need renters
insurance? You might think having your own coverage is unnecessary since the building's
owner is insured. However, the owner's insurance does not cover your personal
possessions; nor does it cover you if your pet injures someone.
The number of
insurance claims filed to cover dog attacks rose 12 percent last year according
to the Insurance Information Institute. This means that dog owners cannot shrug
off the possibility that their pet could harm a neighbor or visitor. In past
years, children, senior citizens, and mail carriers are the groups reported to
be most often attacked by dogs. If this happens, then the pet owner could be
sued for medical expenses and lost wages.
Many renters overlook
insurance for dog attacks when purchasing their own policies. They may believe
renters insurance only serves to replace stolen or destroyed possessions.
However, the insurance can pay liability expenses if your dog bites another
person.
Dog owners should
consider the risk of their pet harming someone, and get insurance to cover that
possibility. When you get renters insurance for your apartment, make sure that
you have liability coverage for dog attacks. If you have a policy already,
check the paper work to make sure the protection is included.
