Your furry friend may make your life much better in terms of laughter and companionship, but Fido doesn’t always make life easier. This is especially true for renters, who may face weight or breed restrictions when it comes to renting an apartment with a pet.
If your pet makes it past the existing restrictions, you must still pay a pet deposit and, in many cases, a monthly pet fee. Many landlords require residents to maintain renters insurance, but pet owners may be required to purchase additional dog liability insurance to cover bites and any pet damage that exceeds your pet deposit.
Unfortunately for dog lovers who know better, certain “risky” breeds may give pause to landlords and insurance providers alike. These breeds include Pit Bulls, Rottweilers, Doberman Pinschers, Chows, German Shepherds, Akitas, Great Danes, Presa Canarios, Huskies, Malamutes and Wolf hybrids. Some apartment complexes and insurance providers will not rent to you or cover you respectively if you own one of these breeds.
On the other hand, many insurance providers will still cover you if you own a “risky” breed, although you may be charged more. Your independent insurance agent can help you find the best rate possible.
While some rental properties are owned by management companies that have strict rules and regulations, other properties may be owned by individuals who have more lenient regulations in place. Showing proof of insurance—including dog liability insurance—may tip the scales in your favor if the landlord was previously undecided about renting to you.
Ask us about coverage for your furry friend. Call Auto Insurers of Virginia at (804) 379-2697 for more information on Midlothian renters insurance.