You came home to discover that Rover missed you so much he dug a hole in the carpet. And for good measure, he chewed through the drywall in the hallway. Now what? Such a situation may leave you wondering whether homeowners insurance covers pet damage to your house.
At A Glance
- Homeowners insurance typically does not cover damage your pet does to your personal property or your dwelling.
- Liability coverage may help cover damage your pet does to another person’s property.
What Type of Pet Damage is Covered by My Insurance?
While homeowners insurance may help protect your home and its contents from certain risks, it typically provides limited coverage for pet damage. For instance:
- Dwelling and other structures coverage. Similarly, most homeowners insurance policies exclude coverage for damage caused by a pet or domestic animal (as well as insects and rodents) to structures on your property, such as your house or fence. Should your dog chew through a wall or your mischievous goat break the door to your barn, your homeowners insurance is not likely to cover the cost of repairs.
Read your policy to learn what kind of coverage it may provide for pet damage and contact Somer Obernauer with any questions.