Having a furry friend as part of your family is a great way to fill your home with a little extra love. However, if you come home from work to see that your pet has chewed through the drywall or chewed your couch, you may not be feeling the love. Knowing how pet damage fits into your homeowner’s insurance coverage can help to ensure that you do not make a false claim.
In most cases, your home insurance will not provide any coverage if your pet destroys your personal property, such as your dining room chairs or table. Your home insurance company will also not provide any protection if your pet destroys the structure of your house. If your pet ruins anything in your house, you will most likely have to pay for the repairs out of your own pocket.
Luckily, the liability portion of your homeowners insurance policy will provide coverage if your pet decides to ruin someone else’s house. If Fido decides to knock down the back gate to get into the neighbor’s yard and chew up the porch, your home insurance policy will pay for the repairs. The liability coverage will also provide protection for any damage that is done to domesticated animals, as long as they are not used for farming purposes.
If you pull your car into your garage only to see that a mischievous raccoon family has destroyed two rafters, you may be able to make a claim. Most homeowners insurance policies will provide coverage for structural damage that is caused by wild animals, but not for any personal property that is damaged.
To ensure that you have the right amount of home insurance coverage, contact the insurance professionals at Abbate Insurance in New Haven, Connecticut. We will work with you to ensure that you, and your furry family members, are protected with the right policy.