Does Your Home Insurance Policy Cover Pet Damage?

As per a 2017-18 survey released by the American Pet Products Association, 68 percent of Americans own a pet.

Our pets are more than just animals; they are like family to us. Keeping a pet requires a lot of care, commitment and responsibility. Whether you have a cat, a puppy or a gold fish, you want to ensure your pets are safe and sound. This is where insurance comes into play.

If your pet is involved in an accident, attacks someone or destroys your neighbor’s property, will your home insurance company cover the losses? 

In this blog, we will address all the uncertainties you may have regarding insuring your pets:

Understanding home insurance coverage

In the event of damages to a home, a standard insurance policy offers coverage for:

·         The structure of a home

·         Personal belongings

·         Valuable items (some policies may cover losses to jewelry, artwork, etc.)

Keep in mind, you will receive coverage only for the disasters specified in your insurance contract. Therefore, if you’re seeking protection against damages caused by floods, earthquakes, etc, you need additional coverage.

Damages caused by pets

Broadly speaking, most home insurance companies exclude pet damages. As for the insurance providers that offer coverage for pet damages, you’re likely to get limited coverage from them. In fact, you may have to pay a higher premium to get coverage.

Another important factor to remember is that some types of pets are considered riskier than others. For example, certain dog breeds, such as Doberman Pinscher, are considered uninsurable.

Dog bites are common. Due to their reputation, many home insurance companies may deny or charge a higher premium for covering damages to or caused by dogs.

The last word

It’s important to understand that every home insurance policy is different. Before signing a policy, you need to go through and understand the coverage you will be getting.

If you’re looking for homeowners insurance in Florida, we can help you find a comprehensive insurance policy that caters to your requirements.

At Manatee Insurance Services, Inc., our qualified, trained and experienced brokers provide clients with multiple home insurance quotes from reliable insurance providers. This makes it easier to compare quotes and select a home insurance policy that meets their financial and insurance goals.

In addition to home insurance, Manatee Insurance Services, Inc. also specializes in motorcycle, auto, boat and flood insurance. 

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