Is Animal Damage Covered by Homeowners Insurance?

Understanding What Animal Damage is Covered

Animal damage can cause a great deal of stress and financial strain. Whether your pet has damaged your property or that of your neighbor, understanding what is and what is not covered by your homeowners insurance can help you make the best decision for your situation. Generally speaking, most homeowners insurance policies will cover damage caused to your property by your pet, but not damage caused to a neighbor’s property.

What is Covered by Homeowners Insurance?

Homeowners insurance typically covers damage caused by your pet to your property, such as furniture, carpets, and walls. It will also cover any medical bills or legal expenses you incur as a result of your pet’s actions. However, it is important to note that coverage for animal-related damage is usually limited to a specific amount, so it is important to check your policy limits to make sure you are adequately covered.

What is Not Covered by Homeowners Insurance?

In most cases, homeowners insurance will not cover damage caused by your pet to a neighbor’s property. If your pet causes damage to a neighbor’s property, you may be liable for the cost of repairs. Additionally, most policies will not cover damage caused by wild animals, such as squirrels, raccoons, or opossums. If wild animals damage your property, you may need to obtain additional coverage.

How to File An Insurance Claim for Animal Damage

If your pet causes damage to your property, you can file an insurance claim to have the damage repaired or replaced. You will need to provide the insurance company with proof of the damage and a description of the incident. Your insurance company will then assess the damage and determine whether or not it is covered under your policy. If it is covered, you will be reimbursed for the cost of repairs or replacements.

In Summary

Damage caused by your pet to your own property is typically covered by homeowners insurance, but damage to a neighbor’s property is usually not. It is important to check your policy limits to make sure you are adequately covered. If your pet causes damage, you can file an insurance claim to have the damage repaired or replaced.