Home Insurance Cover Pets

Certain parts of your policy will cover dog related claims but it depends on the cause of damage the breed and other factors.

Home insurance cover pets. Since liability is the only area in which homeowners insurance provides coverage for pets we ll discuss that category. When it comes to protecting your home quality coverage makes all the difference. Homeowners insurance typically does not cover damage your pet does to your personal property or your dwelling. This option provides cover for your veterinary bills when your dog or cat suffers an accidental injury.

Some states like ohio impose minimum liability coverage requirements. Your policy s liability insurance is intended to protect you financially by covering medical expenses if someone is injured on your property. Often offered as an extra cost option pet cover under a home insurance policy can provide similar protection to a pet insurance policy. Home insurance covers you for an array of events that cause damage to your home damage by a pet isn t likely to fit under one of these events.

If your dog damages someone else s home then your pet insurer may cover this. The breed of dog is a key factor when it comes to determining your homeowners insurance premium. Will my home contents insurance cover accidental damage caused by other animals. It is not just your pets that can cause damage to your property and its contents.

Get a home quote. Standard home contents insurance doesn t usually cover pet damage. Standard homeowners policies have liability coverage limits of 100 000 300 000 or even 500 000. Temporary accommodation for your pet.

The following pet insurers will cover your dog for accidental damage. Before taking out a home insurance policy it s therefore vital to read the small print to see whether accidental damage caused by your pets will be covered and which exclusions apply. More than pet insurance will cover your pet for either 500 under their basic cover 1 000 under their classic cover or 2 000 under their premier cover. After paying your policy s deductible you ll be covered up to your homeowners insurance limit for liability.

Published october 10 2018 homeowners insurance covers your home and personal property in the event they re damaged or destroyed by a covered peril in your policy. Homeowners are responsible for anything above this amount. Many homeowners insurance policies cover dog bites and other incidents. Liability coverage may help cover damage your pet does to another person s property.

Pets at home ltd is an appointed representative of pet plan limited. Pets at home ltd is not part of the allianz uk group.