Home Insurance Cover Pets

When it comes to protecting your home quality coverage makes all the difference.

Home insurance cover pets. 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. Often offered as an extra cost option pet cover under a home insurance policy can provide similar protection to a pet insurance policy. Certain parts of your policy will cover dog related claims but it depends on the cause of damage the breed and other factors. Your policy s liability insurance is intended to protect you financially by covering medical expenses if someone is injured on your property.

Many homeowners insurance policies cover dog bites and other incidents. If your dog damages someone else s home then your pet insurer may cover this. 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. Temporary accommodation for your pet.

Pets at home ltd is not part of the allianz uk group. Since liability is the only area in which homeowners insurance provides coverage for pets we ll discuss that category. It is not just your pets that can cause damage to your property and its contents. Will my home contents insurance cover accidental damage caused by other animals.

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. Get a home quote. Standard homeowners policies have liability coverage limits of 100 000 300 000 or even 500 000. Petplan is a trading name of pet plan limited who administer the cover and allianz insurance plc who provide and underwrite the cover.

The following pet insurers will cover your dog for accidental damage. Liability coverage may help cover damage your pet does to another person s property. This option provides cover for your veterinary bills when your dog or cat suffers an accidental injury. Pets at home ltd is an appointed representative of pet plan limited.

Homeowners are responsible for anything above this amount. You could argue it would be classed as accidental damage however don t rely on an accidental damage add on. Some states like ohio impose minimum liability coverage requirements. Homeowners insurance typically does not cover damage your pet does to your personal property or your dwelling.

After paying your policy s deductible you ll be covered up to your homeowners insurance limit for liability. Standard home contents insurance doesn t usually cover pet damage.