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Top Renters Insurance Companies for Pet Owners
While a large portion of individuals and families throughout the country rent their homes, according to the Insurance Information Institute, only about 37% currently carry renters’ insurance.
Considering the high cost of repairing damaged property, paying medical bills for injuries to guests, and replacing property, it’s unimaginable that so many renters are living without coverage. Renters with pets are especially vulnerable and at a higher risk of bodily injury liability lawsuits.
Fortunately, at around $20 per month, policies froim the best renters’ insurance companies for pet owners are affordable and provide a wide range of coverage options and limits.
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Trusted Company Reviews #1 Pick for 2025
- Liability coverage extends to dog bites
- Expansive loss of use coverage
- Pet insurance add-on option
Why we love it 💖
American Family features affordable policies covering everything from family heirlooms to damages caused by your beloved pet.
Our Highest Rated Renters Insurance for Pet Owners Companies
- Medical coverage for visitor injury
- Personal property coverage in the event of theft
- Itemization of valuable items up to $2,000
- Identity theft add-on option
- Travel protection extension
- Coverage for pet damage to property
- Liability coverage for dog bites
- No breed restrictions
- Bundling discounts
- Identity theft add-on option
- Dog-bite liability coverage
- Optional pet-damage add-on
- Replacement cost coverage included in basic plans
- Speedy quotes and claims via mobile app
- Affordable premiums as low as $5 per month
- Liability coverage for dog bites to guests
- Pet property damage coverage
- Independent agents provide personalized support
- Bundling discounts
- Additional living expense protection
- Highly customizable policies
- Dog bite coverage
- Discounts for loyal customers
- Optional identity theft protection
- Deductible options range from $500 to $10,000
Why Pet Owners Need Specialized Renters Insurance
Pet owners see their animals as loving and sweet. However, even the most wonderful dog or cat can become a little rambunctious during play or react poorly in a challenging situation. If your kitty chews the leather strap of a guest’s $5,000 purse, your bird knocks a candle down and causes a fire, or Fido feels threatened and bites a guest, you could be on the hook for thousands in replacement costs or medical bills. A quality renters insurance policy provides coverage in the event of these unfortunate incidents, leaving you to only pay your deductible.
Key Features to Look for in Pet-Friendly Renters Insurance
When shopping for a renters’ insurance policy, start by confirming its coverage of pet-related damages. Look for a plan that covers dog bites or other injuries, as well as damages to a guest’s property. While renters insurance will not cover property damage to your own items or your rental property (your pet’s security deposit covers that), you should confirm that the policy will cover major damages caused by flood or fire that your pet caused. For instance, if your pet damages a water line and causes flooding in your home, your policy will cover the flood damage.
Additionally, be sure to ask about breed restrictions and coverage for pets with a history of biting.
The Role of Breed Restrictions and Pet Damage Add-Ons
In some cases, renters’ insurance policies will restrict coverage to certain dog breeds. Some companies believe these breeds are more prone to causing damage and biting. However, other companies understand that each pet is an individual, regardless of its breed, and rather than discriminating based on appearance, these policies only restrict coverage based on the pet’s behavioral history.
Which Company has the Best Renters Insurance for Pet Owners
Each renters insurance company that we’ve reviewed has its pros and cons. We found American Family to be the best renters insurance for pet owners overall, due to its comprehensive dog bite coverage, quality add-ons, and strong reputation. However, if you don’t reside in one of the 19 states where it is currently offering coverage, you can look to a policy from State Farm, Lemonade, Erie, or Nationwide. Each offers its own set of fantastic options, and all of them provide some level of liability coverage for pet damage.
| American Family | State Farm | Lemonade | Erie | Nationwide | |
| Best For | Best Overall | Best for Full Service | Best Low-Cost Provider | Best for Small Company Feel | Best for Customizable Policies |
| Pet/Damage Coverage | Dog bites, Guest property damage | Bite liability and property damage | Dog bites & Flood, Fire, or Smoke damage | Bite and property liability for guests | Bite and guest property liability |
| Breed Restrictions | Yes | None | Yes, in certain states | Yes | Yes |
| Average Cost with Pet Coverage | $22 to $130 | $10 to $18 | $5 to $12 | $11 to $16 | $19 to $21 |
American Family Renters Insurance
Best Overall
Trusted Company Reviews Rating Score for American Family Insurance: 9.6
Review
American Family Insurance offers policies to protect your home, possessions, and liability, all at an affordable rate. For those wanting to save a little extra, it’s easy to bundle your renters insurance with car, motorcycle, RV & camper, boat, ATV, snowmobile, life, umbrella, travel, or pet health insurance. Do you own a business? American Family provides expansive farm & ranch, as well as business insurance.
About
American Family is a trusted source of insurance with over 100 years of experience providing coverage. What started as an automobile insurance company has expanded to cover all your prized possessions.
Features and Benefits
American Family Insurance coverage is outstanding in all aspects, but what really stands out are the renters’ insurance policies. With a focus on possessions and liability, these policies cover everything a renter needs, including pet damage.
- Medical coverage for visitor injury
- Personal property coverage after theft
- Liability coverage for dog bites
- Expansive loss of use coverage
- Pet insurance add-on available
- Itemization of valuable items up to $2,000
- Identity protection add-on
- Optional home-based business coverage
- Travel protection extension
Why We Chose
American Family renters insurance was an easy choice for the best overall renters insurance for pet owners. Its coverage of medical expenses for dog bites and personal belongings, should your pet create a little havoc, is an absolute must for pet owners. Furthermore, with multiple add-ons, including pet health insurance, it is a one-stop shop for all your insurance needs.
Pros and Cons
Pros
- Liability coverage extends to dog bites
- Expansive loss of use coverage
- Pet insurance add-on available
Cons
- Pet breed restrictions apply
- Roommate’s property is not covered
- Electrical appliances excluded
| Pet/Damage Coverage | Dog bites, Guest property damage |
| Breed Restrictions | Yes |
| Average Cost with Pet Coverage | $22 to $130 |
State Farm Insurance
Best for Full Service
Trusted Company Reviews Rating Score for State Farm Renters Insurance: 9.3
Review
State Farm renters insurance stands out for its wide range of coverage options and limited restrictions. Unlike many others, its policies insure all pets equally. Whether you love a fluffy Pomeranian or a beefy Cane Corso, you’ll receive the same great coverage. If an unfortunate incident should occur, from a dog bite to a chewed door frame, your State Farm renters policy provides coverage.
About
State Farm Insurance is the largest U.S. home and auto insurer, and its experience shows through in its policies. With affordable rates and availability in 47 states + D.C., you’re sure to find a policy that works for you.
Features and Benefits
State Farm’s standout policies provide coverage for both liability and property. Furthermore, you can bundle your renters insurance with a policy for your automobile, life, business, health, pet health, and more.
- Coverage for pet damage to property
- Liability coverage for dog bites
- No breed restrictions
- Bundling discounts
- Identity theft add-on option
- Discounts for home safety devices
- Coverage for theft, fire, and accidents
- Extra living expense coverage
Why We Chose
State Farm renters insurance was a clear top choice on our list of the best renters insurance for pet owners. You’ll love its policies that cover both personal injury and property damage liability, with absolutely no breed restrictions. That’s a combo that’s hard to beat!
Pros and Cons
Pros
- No breed restrictions
- Dog bite liability coverage
- Pet property damage coverage
Cons
- Some local offices have poor reviews
- Limited additional coverage for living expenses without add-on
| Pet/Damage Coverage | Bite liability and property damage |
| Breed Restrictions | None |
| Average Cost with Pet Coverage | $10 to $18 |
Lemonade Insurance
Best Low-Cost Provider
Trusted Company Reviews Rating Score for Lemonade Insurance: 8.7
Review
If you’re a pet parent and rent your home, a renters insurance policy from Lemonade Insurance is the most affordable policy option on the market. With average monthly premiums starting at just $5 per month, the cost structure cannot be beat. Furthermore, it doesn’t skimp on coverage, providing replacement cost with even the most basic plan.
About
Lemonade Insurance is a technology-driven company that utilizes an AI-driven platform to allow users to get quotes, manage their policies, and file claims. The easy-to-use app instantly resolves up to 40% of claims, eliminating long waiting times and expediting payment processes.
Features and Benefits
Lemonade renters’ insurance is an excellent option for pet parents who want to ensure coverage in case their pet bites or causes damage. While your pet security deposit will likely cover damage to your rental property, it doesn’t provide liability coverage in case of a bite or if your pet damages a guest’s property. With a Lemonade renters insurance policy, you’ll receive a minimum of $100,000 in liability coverage, which you can boost to $1 million for pets you believe might be more likely to wreak havoc.
- Dog-bite liability coverage
- Optional pet-damage add-on
- Replacement cost coverage is included in basic plans
- Speedy quotes and claims via mobile app
- Affordable premiums as low as $5 per month
- Extra coverage for jewelry and electronics available
- AI resolves 40% of claims instantly
- Bundling discounts available
Why We Chose
Lemonade renters insurance stood out for its affordable rates and lightning-fast claims processes. With average premiums ranging from $5-$12 monthly and deductible options from $500-$1,000, you’re sure to find a policy that fits your budget. Furthermore, its AI-powered mobile app processes up to 40% of claims instantly, so you won’t have to sit around waiting to find out if your damages are covered.
Pros and Cons
Pros
- Coverage if your pet causes flood, fire, or smoke damage
- Liability coverage for dog bites
- Premiums as low as $5 per month
- User-friendly mobile app
Cons
- Breed restrictions apply in certain states
- Pet damage to renters’ property is not covered
| Pet/Damage Coverage | Dog bites & Flood, Fire, or Smoke damage |
| Breed Restrictions | Yes, in certain states |
| Average Cost with Pet Coverage | $5 to $12 |
Erie Insurance
Best for Small Company Feel
Trusted Company Reviews Rating Score for Erie Insurance: 8.7
Review
Erie Renters Insurance policies are provided through independent agents across 12 states plus D.C. If you have a question or concern, rather than contacting a large call center, you call your agent directly and receive personalized service from someone who knows you well. If you’re looking for big company features with a small town feel, Erie’s independent agent structure is the way to go.
About
Erie Insurance Group has been providing quality coverage since 1925. With an A+ (Superior) rating from A.M. Best and an A+ rating from the Better Business Bureau, it is clear that the company demonstrates a strong dedication to its customers. Policies are currently available in the following states: IL, IN, KY, MD, NC, OH, PA, TN, VA, WV, WI, and Washington, D.C.
Features and Benefits
Erie renters insurance stands out for its outstanding protection. Where other policies provide only the cash value of your damaged items (the cost of the item minus the depreciation value), Erie provides its customers with the total replacement cost (the amount it will cost to purchase a new item). This results in much higher payouts than you’ll find with some other policies.
- Liability coverage for dog bites to guests
- Pet property damage coverage
- Independent agents provide personalized support
- Bundling discounts
- Additional living expense protection
- Fewer complaints than many competitors
- A+ rating from A.M. Best
Why We Chose
With standout features such as replacement cost value and dog bite coverage, Erie was an obvious choice for inclusion on our list of the Best Renters Insurance for Pet Owners. Not only does it provide liability coverage for pet-related damages and injuries, but the payouts are higher, and the personalized service received from individual agents is unmatched.
Pros and Cons
Pros
- Liability coverage for dog bites
- Personal property coverage for guests
- Independent agents provide personalized support
Cons
- Breed restrictions
- Only available in 12 states
| Pet/Damage Coverage | Bite and property liability for guests |
| Breed Restrictions | Yes |
| Average Cost with Pet Coverage | $11 to $16 |
Nationwide Insurance
Best for Customizable Policies
Trusted Company Reviews Rating Score for Nationwide Insurance: 8.4
Review
Nationwide renters insurance policies are an excellent option for pet parents who want to ensure they have coverage in the event their pet bites a guest, damages property, or causes a major incident at their rental property. With Nationwide’s wide range of deductible and coverage options, it’s easy to build a policy that includes all the best coverage options for an affordable rate.
About
Nationwide Insurance Company was founded almost 100 years ago with a focus on innovation and safety in the agribusiness sector. It has since grown to continue its support of the farming community and also provide a wide range of insurance services that include renters, homeowners, auto, and business coverage.
Features and Benefits
Policyholders will love the wide range of options for their Nationwide renters insurance coverage. Deductible options range from $500 to an impressive $10,000, and add-ons include coverage for sewer backups, identity theft, and property code violations. Still, the monthly premium costs range from $19 to $21 on average, making them one of the most affordable renters’ insurance policies available.
- Highly customizable policies
- Dog bite coverage
- Discounts for loyal customers
- Optional identity theft protection
- Deductible options range from $500-$10,000
Why We Chose
Nationwide renters insurance policies clearly stood out for the plethora of customizable options available to policyholders. Furthermore, we appreciate that the company maintains an A+ rating with the Better Business Bureau and is available in 46 states.
Pros and Cons
Pros
- Customizable policies
- Deductible options ranging from $500-$10,000
- Identity theft protection
Cons
- No pet-specific policy options
- Breed exclusions
- Not available in AK, HI, OK, and LA
| Pet/Damage Coverage | Bite and guest property liability |
| Breed Restrictions | Yes |
| Average Cost with Pet Coverage | $19 to $21 |
Frequently Asked Questions
These are some of the most common questions surrounding the best renters insurance for pet owners.
Renters insurance provides coverage for your personal property, damages to your rental property, and liability coverage for injuries sustained by a guest while visiting you. While your security deposit will cover minor damages such as a nail hole in the wall or worn carpet, your renters’ insurance policy steps in when your pet bites a guest and requires medical care or when you experience a flood or fire.
Renters’ insurance does cover pet damage, but only under certain circumstances. For instance, if your pet bites a guest who then requires medical attention, your policy will cover the associated costs. Also, if your pet damages a guest’s personal property, your policy may provide the replacement cost. Finally, if your pet somehow causes a flood or fire in your home, your policy will kick in to provide replacement and repair costs. However, if your pet damages your property, the property of your roommate, or the rental property, you will likely not be eligible for reimbursement.