Does My Home Insurance Cover Pets?

Posted on by agentinsure

Statistics indicate that at least 65% of United States households own a pet, which translates to approximately 79 million households. However, most of the homeowners in Pismo Beach, CA don’t seem to think about their pets when purchasing their home insurance policies. Did you know that most of the home insurance providers such as Neff & Associates Insurance Services Inc consider your pet as one of your family members? We all understand the fact that as much as we love our pets, they can be more destructive than our young ones. Therefore, the big question is; does your home insurance cover your pet?

Home Insurance and Pets

The first and most critical thing that you need to understand is that there is a big difference between coverage for your pet and liability coverage for the acts of your pet. Typically, your homeowners’ insurance policy won’t cover your pet as a family. For example, you can’t use it to treat your pet when it falls sick or gets injured. You need to purchase a pet insurance policy that will cover your pet’s life.

However, most of the standard home insurance policies will offer liability coverage for the acts of your pet. Your home insurance policy typically covers damage to your property, personal belongings inside your home and it will also protect you if someone is injured in your home. How about if your little friend damages your neighbor’s expensive carpet, are you still covered?

The simple answer to this question is yes; you will be covered since most insurance providers offer liability coverage for the acts of your pet. However, it is also good to note that some pets, especially dogs, are considered riskier than others, and your insurance provider may charge you higher premiums or decline to insure you altogether. Keep in mind that every policy is different and it is your responsibility to contact your provider beforehand to determine whether your pet can be covered or not.

Contact Neff & Associates Insurance Services Inc today for your homeowners’ insurance policy.