Does renters insurance cover dog bites? Yes — with breed exclusions that vary by carrier. Most policies cover dog bite liability, but pit bulls, Rottweilers, German shepherds, Dobermans, and several other breeds are excluded by many carriers. GEICO is the most permissive major carrier, covering most breeds without restriction. Lemonade restricts several breeds in certain states. Check your specific carrier’s breed exclusion list before assuming dog bite coverage.
Does renters insurance cover personal injury for defamation or slander? Not by default. This requires a personal injury endorsement — a separate add-on that most standard policies do not include. Lemonade offers it in Utah, Georgia, Ohio, and South Carolina. Progressive includes it in some enhanced renters packages. If your standard policy does not include this endorsement, a personal umbrella policy may provide defamation and privacy claim coverage.