Pets are fun, aren’t they? Pets provide companionship and light up our days when everything else is stressful. While pets are exciting, sometimes they can land you in trouble by causing damage or injuries. But is pet damage covered by your home insurance? San Marcos Insurance Group has the answer.
When your home insurance won’t cover pet damage
If your pet rips through your expensive sofa or chips a large section of your drywall, the damage isn’t covered by your standard home insurance. Similarly, if your pet injures you or someone in your family, any claim for medical costs is likely to be voided by your home insurance provider.
When a pet lives with you, your insurer assumes you are in complete control of the situation. So, when your pet damages your structure, electronics, or furniture, the damage is assumed to be inflicted by the owner.
When your home insurance covers pet damage
If you have liability coverage in your home insurance, the policy should cover you when your pet causes damage or injury to others. When your pet bites someone, they could sue you to get compensated for medical costs incurred treating the injury. In such a case, your home insurance should cover third-party claims.
While most home insurance policies provide liability protection of $100,000, we advise our clients to increase the limit for optimal protection. Plus, we recommend umbrella insurance or excess liability coverage if your assets are nearing the million-dollar mark.
Home insurance in Chandler, AZ
Home insurance covers your building and the contents inside. It also pays for additional living expenses when your home is rendered unlivable. Your home insurance also covers you against liability claims, such as pet damage. If you would like to get this protection from home insurance, please get in touch with San Marcos Insurance Group for an affordable quote.