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Renting with a pet roommate

Renting with a pet roommate

Owning a pet comes with many amazing moments, but just as everything has a price, so does renting with one. Especially with dogs.

After the challenge of finding a rental that is pet friendly, you’ll be paying the supplementary pet deposit.  Depending on your dog’s breed, you might have to introduce your furry roommate to the future landlord to prove that she or he is friendly. Once you’re ready to move in, you might also consider – or even be required – to hold dog liability insurance.

Renter’s insurance typically covers personal property damages/displaced-living  expenses caused by fire, wind, burglary, as well as  personal liability expenses caused by negligence or accidental injury to others while on your property. Dog bites usually fall under the personal liability section of your insurance plan, but depending on your dog’s breed, where you live and who your insurer is, you might need additional coverage.

Things turn more dramatic if you own one of the 11 “riskiest” dog breeds:

  1. Pit Bulls & Staffordshire Terriers
  2. Doberman Pinschers
  3. Rottweilers
  4. German Shepherds
  5. Chows
  6. Great Danes
  7. Presa Canarios
  8. Akitas
  9. Alaskan Malamutes
  10. Siberian Huskies
  11. Wolf-hybrids

Not all insurance companies ban these breeds, but you’ll most likely have to shop around for a potential policy.

Having renter’s insurance may help ease your landlord’s mind if he’s undecided about renting to you. Some landlords will ask for proof of pet liability insurance before signing the lease. For them, it is a necessity simply because their homeowner’s insurance doesn’t cover dog bites (or your pets for that matter). Any property damage can be paid out of the security or pet deposit (or both). Be a responsible pet owner – train your pup, and protect yourself against unforeseen circumstances.