Can I cover myself against damage by pets under homeowner’s insurance policy?

Protecting your property under a homeowner’s insurance policy does not mean that every situation and problem is covered. In general, any damages that are caused by normal wear and tear, as well as damages from your pets or family members, are not covered under a basic policy.

Damages to Your House

In most cases, insurers will not protect your house from any damages that are related to your pet. A pet is optional and is often considered a member of the family, so the wear and tear that results from a cat scratching the walls or a dog’s claws tearing up the floors will not usually be covered under a policy.

Any damages that are not directly related to your pet or normal wear and tear may be covered, but every situation and policy is different, so the details may vary.

Bites and Injuries

Even though your property may not be covered from your pet, it is possible that you will have coverage to protect against liability concerns. If your pet causes an injury to a guest, neighbor or other individual, then you may have coverage to pay for those medical bills and related expenses.

Bites are usually covered as long as the insurer does not exclude the specific breed. Your homeowner’s insurance plan may have variations on the situations that are covered, so make sure that you read and review the plan before you assume that a particular problem is covered.

The amount of coverage that is available for a pet in your home can vary, but it does not usually extend to the damages to the floors, walls or other structural elements of your property. Contact us to talk to an agent for more details about your coverage.

Protecting your property under a homeowner’s insurance policy does not mean that every situation and problem is covered. In general, any damages that are caused by normal wear and tear, as well as damages from your pets or family members, are not covered under a basic policy.

Damages to Your House

In most cases, insurers will not protect your house from any damages that are related to your pet. A pet is optional and is often considered a member of the family, so the wear and tear that results from a cat scratching the walls or a dog’s claws tearing up the floors will not usually be covered under a policy.

Any damages that are not directly related to your pet or normal wear and tear may be covered, but every situation and policy is different, so the details may vary.

Bites and Injuries

Even though your property may not be covered from your pet, it is possible that you will have coverage to protect against liability concerns. If your pet causes an injury to a guest, neighbor or other individual, then you may have coverage to pay for those medical bills and related expenses.

Bites are usually covered as long as the insurer does not exclude the specific breed. Your homeowner’s insurance plan may have variations on the situations that are covered, so make sure that you read and review the plan before you assume that a particular problem is covered.

The amount of coverage that is available for a pet in your home can vary, but it does not usually extend to the damages to the floors, walls or other structural elements of your property. Contact us to talk to an agent for more details about your coverage.