Tampa Homeowners Insurance News - How dogs and pets of tenants affect the Homeowner's insurance and renter's insurance

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Listen as Andrew Duncan, Tampa Bay's #1 Realtor discusses how Homeowner's and renter's insurance are affected by pets and dogs of tenants. He has Paul Arrington from Arrico Property Management and Richard Vasquez from Artisan Insurance as guests on The Duncan Duo Real Estate Show on 970 WFLA.

Richard says that they see there's a lot of liability about pets, dogs and canines. What a homeowner needs to understand is that if they put a tenant into that house, and they have a home owner's insurance covers the liability that is due to the tenants, it will never cover the liability due to a dog because the dog is owned by the tenant and not the property owner. The insurance policy is owned by the property owner so the insurance company will never extend that policy to cover the dog of the tenants. The moment that there will be  any issues with the tenant's dog, there will be no coverage for the home owner.

As a property manager, Paul tries to guide the property owner to understand  that their policy doesn't cover this type of scenario. While they encourage the homeowner to have a  renter's policy, there's only so much they could do. They can ask them for a declaration page but they can turn around and cancel it. It's really on the tenant and on the property manager to screen the dog and the pet to see what kind of dog or temperament it is.

To know more about property management info, go to www.rentmytampahome.com and for your insurance needs, go to www.lowerinsurancerate.com 

For more Tampa Bay Real Estate news and advice, tune in to The Duncan Duo Real Estate Show on 970 WFLA - Tampa Bay every Sundays at 10 am.

*The Duncan Duo and RE/MAX Dynamic has moved. As of 10/11/2014, our new address is 6320 S Dale Mabry Hwy, Tampa, FL 33611