0
No, homeowners insurance is Property Insurance, it does not cover loses or damages resulting from our choice of pet ownership.
Wiki User
∙ 11y ago
Add your answer:
Earn +20 pts
We were visiting my mother-in-law and my wife tripped over my dog and broke her elbow will my own homeowners insurance help pay the medical bills?
You have an insurance policy which explicitly spells out what is insured and what kinds of claims you can make, so you might want to read your policy, but I can tell you that the purpose of homeowner's insurance is to protect you from financial loss resulting from damage to, or theft of the property in your home; it is not medical insurance and does not pay medical bills of whatever sort.
When watching a friends dog it is injured will insurance cover medical expenses?
Domestic animals are not covered under the homeowners policy. As it pertains to a liability situation, a dog would be considered 'property' and the homeowners "damage to property of others" provision in the liability section of the policy applies but only if you were the one who injured the dog, usually with a limit such as $500.
Will you lose your homeowners insurance if your dog bites your neighbor on your property?
Most companies will also give you the option to exclude the dog from future coverage allowing you to carry on with your current policy.
Does homeowners insurance cover hearing aids if a dog chewed it?
Not Likely unless you scheduled it on your homeowners insurance policy and paid an additional premium for it. Personal aid devices of this type are generally covered through your health insurance provider.
Does my homeowners insurance cover a neighbors dog attacking my dog?
Not usually. The neighbor's homeowners insurance would cover it underneath their liability insurance.
Is what type of dog you have a material fact for a Home policy?
Some homeowners insurers will not issue a policy when a dog of a specified breed resides in the premises. Because most homeowners policies provide both physical damage coverage to the structure and some elements of liability coverage for the owners, the underwriting of the liability portion of the policy may preclude coverage for such breed(s). This is usually because there is a real or perceived predisposition of the dog to be aggressive. That said, if a homeowners application asks whether the applicant owns a dog of a particular breed (as described above) and the applicant misstates such ownership, that would likely amount to a material misrepresentation. A material misrepresentation essentially means that had the insurer known the truth, it would not have issued the policy, or would not have issued it at the premium that was actually charged. As a practical matter, the issue might not arise unless or until a claim arose involving the dog, such as a bite. Nonetheless, candor on the application is both important and the right thing to do.
Does home owners insurance cover damage caused by a renters dog urine on carpet?
A homeowners policy is not the proper policy for property rented to others. It is only for owner occupied dwellings and will not cover damage caused by anything other than a covered cause.
Do You Have To Be Liceensed and insured to walk a dog?
No but if your dog gets lost and is found by an officer you can get a fine
How much does home owners insurance pay for when their dog knocks you down and you need extensive oral care?
It just depends on the type of policy, the policy limits and whether or not the policy has coverage for a dog attack. Most companies in the USA automatically exclude coverage for damage and injuries resulting from our choice of pets. In this case the home insurance policy would pay nothing at all. If the homeowners insurance policy does provide coverage for pet related injuries and damages then they would pay up to the policy liability limits chosen by the homeowner at the time they purchased the policy.
Will insurance pay for dog that died in home fire?
NO Please better state your question. Fair? Fair Plan? Who kills your dog? Who pays for it?
Can homeowners insurance cover dog fights?
Your question is a bit vague and does not clarify for what you are seeking coverage, Injury or Property Damage. You may want to contact your insurance agent for coverage clarification. Your home insurance policy does not provide coverage for illegal or criminal acts. Your Homeowners Insurance Policy typically provides Property Hazard insurance that covers certain losses resulting from covered perils such as fire, lightning, wind, hail, theft, vandalism, etc. Many Homeowners Insurance polices also provide liability coverage for certain accidental injuries to others for which you are legally liable along with legal defense for those liabilities. A fight would likely not be considered accidental. A Homeowners policy will also often have a small amount of medical coverage for injuries sustained by the insured in or around the home. If Someone sues you as a result of an injury sustained on your property or in your home you should forward the notice of suit to your insurer for coverage and legal defense consideration.
If you rent an apartment should you get home owners insurance?
If you rent an apartment, you don't need homeOWNERS insurance, but you you definitely need Renters Insurance, which is a form of homeowners insurance. Most renters' policies will protect your personal belongings from perils such as theft and fire. It will also reimburse you the cost of additional living expenses if your apartment or rented home is damaged by a covered peril. A renters policy will also give you liability insurance; don't thnk for a minute that if someone falls in your apartment that only your landlord will be sued. If your dog bites someone, it will also protect you if you get sued.
