Home Insurance Cover Pets

While homeowners insurance may help protect your home and its contents from certain risks it typically provides limited coverage for pet damage.

Home insurance cover pets. Many homeowners insurance policies cover dog bites and other incidents. Generally home insurance covers a homeowner s liability for dog bites. As landlords we require our tenants have coverage for their dogs and list us as an additional insured on their dog liability policy. For more information regarding insurance for your dog insurance for your rescue or if you are a landlord whose tenants have dogs please hit the get a quote button.

Renters insurance pays for damages to your rental home and to other people and their possessions. If your dog bites your husband you will also have no coverage. But some home insurance companies have lists of prohibited dog breeds they will not sell coverage to you or will exclude liability and medical payments coverage for dog related injuries if you own a prohibited breed. Get a quote today save 10 online.

Your homeowners insurance policy will cover your pets from a liability standpoint including if they cause bodily injury or property damage to a third party. To further reduce their liability landlords may include certain stipulations in the rental agreement about the type and number of pets allowed and exclusions for certain breeds if allowed by state law. As pet lovers pets at home work in partnership with the uk s no 1 pet insurance provider for dogs cats and rabbits. Call petplan today 0344 391 1082.

To summarize most home insurance companies will cover damage your pet incurs to another s property or person. Pet home insurance extends only to people or property not listed on your policy. While the personal property coverage in a homeowners insurance policy may help protect your belongings against certain risks there is generally no coverage for personal property such as a television or furniture if it s damaged by your own pet. It is not illegal for an insurance provider to deny cancel or increase premiums because of the type of dog you own.

Homeowners don t have an issue with their dog s being allowed to live in their home but they do run into problems with insurance companies placing breed restrictions on their policy coverage. Your policy s liability insurance is intended to protect you financially by covering medical expenses if someone is injured on your property. Most renters insurance policies do not cover exotic pets such as reptiles amphibians and ferrets. The breed of dog is a key factor when it comes to determining your homeowners insurance premium.