I actually just renewed my renter's insurance policy, and asked if they could add a rider to cover all of the animals I have. Traveler's declined because they simply don't cover pets. I'm not sure about other companies though. There's got to be an insurance co. out there that offers homeowners/renters insurance that would cover pets. You're premium would definitely go up, but at least you'd be insured for the death of the animals during a fire or windstorm.