Not all damages or incidents must be filed for a claim. Some incidents are frequently excluded from standard renters insurance policies, including water and flood damage. On the other hand, liability coverage can get affected by any addition of a person or pet in your household. In some cases, you may have difficulty getting specific dogs covered by your renters insurance policy. Huskies, Dobermans, Rottweilers, German Shepherds, and Pit Bulls are some commonly excluded dog breeds. However, if the damage is covered by your renters insurance, have it assessed before filing a claim. If the cost of the incident does not exceed your deductible, it is sometimes a good idea not to file a claim. This way, you pay the same amount for coverage without increasing your expenses.