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dog at doctorsYour pets, or fur babies as you lovingly refer to them, bring so much joy to your life. You probably can’t imagine a day without your dog or cat greeting you at the door after a long day at work. But owning a pet is also a major responsibility. Not only do you need to care for your furry friend’s needs, but you’re also responsible for your pet’s behavior, especially when it comes to the safety of others.

If a friend gets bitten by your dog while visiting your apartment, or if he trips over your cat’s food bowl and falls, you will likely be held liable for his medical bills. You may think that your pet is too well behaved to bite, but a small fright can trigger an aggressive reaction. For that matter, you may think that your friends would never sue you for damages if something happened, but the story could change when faced with hospital bills and lost wages if recovery requires time off of work.

Many renters insurance policies include liability coverage, which can be a lifesaver in similar situations. You’d be surprised how affordable it is to get tens of thousands of dollars’ worth of coverage. At the same time, the best way to avoid these situations is to actively take steps to prevent a bite or accident. The following tips may prove helpful.
  • Train your dog. Starting obedience training as a puppy sets a good foundation for future training. If a dog is used to focusing on your commands, he’ll be less likely to act out if you ask him to stop an action.

  • Spay/neuter your pet, which helps control aggression and unpredictable behavior as pets mature; plus, it helps control the animal population in a world where shelters are overcrowded.

  • If your pet has anxiety issues, create a safe place for him in another room when you have visitors over. This keeps your pet in a more relaxed state, safely away from people so no bites can take place.

  • Simply informing guests about your pet gets them in the right mindset. Guests can then watch for toys that may cause tripping hazards and be mindful of approaching pets and their apparent moods.
Ask your independent insurance agent how renters insurance can protect you from the liability risks that are inherent with pet ownership.

Get the coverage you need. Call Reliable Insurance Managers at (713) 227-7283 for more information on Katy renters insurance.
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