Including my pet in home insurance: how to do it and things to consider
Depending on the company with which you have your home insurance, your pet is included in the policy or this coverage is acquired independently. This is done because some insurers do not want to disadvantage those customers who do not have a pet at home.
Including pets in this policy is usually free. However, you should bear in mind that merely contracting it with Civil Liability does not necessarily imply coverage of the animal. For it to be recorded, it must be specifically listed in the document when formalizing the insurance.
The multi-risk home policy does not necessarily have to be more expensive for including our pets, but it will increase depending on the coverages we include, just as the type of home influences.
I’m renting: home insurance and pets
There are different options in case you are not the owner of a home and are renting, to protect your pet and your belongings, or those of the landlord.
The first thing you should know is that according to the Urban Leasing Law, it is the owner of the apartment who has the final say about having a pet in their home. Additionally, they must indicate their stance in the lease agreement. In case the contract does not say anything, you must notify and ask the owners for permission, to avoid legal problems in the future.
