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Selecting a home insurance policy means that you may need to consider the possible damage that your pet can cause to the property. Unfortunately, most home insurance policies will not protect your property from any damages that your dog or cat causes. Damages from pets are your responsibility unless the particular situation is mentioned and covered in your policy.
Common Coverage
Most insurers do not offer coverage to protect your property from pets; however, you may have liability protection in case your pet causes damages to another individual’s property or injures a guest in your home.
Coverage that is related to a dog or cat may be limited, so read your plan thoroughly to determine the situations that are protected. Generally, you will not have protection against common damages to your personal property, so it is best to train your pets to limit the risks.
Differences Between Policy Options
Even though many insurers may not offer protection against damages that your pets cause to your home, it is possible that some insurers may offer solutions to help ensure that your home is safe.
Determine your current protection plan by reading your policy and learning about the situations that are covered. In some cases, you may have slight coverage for damages caused by a dog or cat if it meets certain situational factors. Otherwise, it may be necessary to purchase additional protection to ensure that your house is property protected.
Dogs, cats and other pets can cause damages to your home, but that does not always mean that you have no options. Depending on the plan that you purchased, it may be possible to seek assistance for the repairs. Contact us to talk to an agent for more details.