Does Homeowners Insurance Cover Animal Removal?

Understanding Homeowners Insurance

Homeowners insurance is designed to provide financial protection in the event of a disaster or emergency that affects your home. It can cover the cost of repairs, replacement of personal property, and other losses that occur due to a covered event. Every policy is different, so it is important to understand what is covered and what is not covered under your specific policy.

Animal Removal and Homeowners Insurance

When it comes to animal removal, most homeowners insurance policies will not cover the cost. This is because animal removal is generally considered a preventative measure, and thus not a covered event. However, there are some exceptions. If an animal causes damage to your home or property, homeowners insurance may cover the cost of repair or replacement.

Common Exceptions

There are some instances in which homeowners insurance may cover the cost of animal removal. For example, if a wild animal damages your home or property, such as a raccoon getting into your attic and tearing up insulation, your insurance may cover the cost of animal removal. The same is true of vermin, such as rats or mice, that cause damage to your property. Additionally, if an animal is deemed dangerous and poses a safety risk to your family, your insurance may cover the cost of removal.

What You Should Know

It is important to remember that homeowners insurance does not typically cover the cost of animal removal. However, if an animal causes damage to your home or property, or is deemed dangerous, your insurance may cover the cost. It is important to understand your specific policy and what is covered and what is not. If you have any questions, be sure to contact your insurance provider.