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Your personal property coverage specifically excludes "animals, birds or fish".

You could attempt to make a liability claim against your friend, and their liability coverage might apply, but that could have serious consequences for your friend's rates and future insurability.


You'd have to consult an attorney to go that route. In your situation, this could be a difficult claim to prove. You might be better off leaving things alone.

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Q: A friend's dog accidentally injured my dog in my home Does homeowners insurance cover anything?
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Your homeowners insurance will cover your garage door subject to your deductible since it is part of your house. Your Home insurance does not cover damage to a vehicle though. That's what Auto insurance is for. Your friend will need to contact his auto insurance to fix his vehicle.


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