Thinking about getting a furry, scaly, or feathered friend for your apartment? Smart move! But before you bring your new companion home, let's tackle a crucial question: **Does USAA renters insurance cover pet damage?**
The short answer: It depends. USAA renters insurance *generally* covers damage you are legally responsible for. If your pet damages your landlord's property (think scratched doors, chewed carpets, or stained floors), and you're deemed liable, USAA may help cover the repair costs. However, this coverage usually applies to accidental and unforeseen incidents, not gradual wear and tear.
Keep in mind, USAA renters insurance typically *doesn't* cover injuries or damages your pet inflicts on other people or their property. You'd likely need separate liability coverage for that. Also, some breeds may be excluded due to their perceived risk. Always check your policy details and talk to a USAA representative to fully understand your coverage limits and exclusions before getting a pet. Knowing the specifics can save you from unexpected costs and headaches down the road!
