Yes. I used to work for an Insurance company in the claims department. It will be covered under the section "personal property" of your Homeowners policy. You will however have to pay your deductible. If the deductible exceeds the amount to replace the item, the company will not pay. If it costs more then your deductible to replace it, then the company should issue a check for the remaining amount. So if it costs $2000 and you have a $500 deductible, you should get $1500.
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No, unless he ruined someone else's carpet other than your own and then your homeowner's liability would cover it. Animal damage is almost always excluded caused by both domestic and wild animals. A rare example where damage from an animal might be covered is if the animal did something that resulted in a fire. Answer No
Ownership of a pet comes with natural exposure of this type that are to be expected by the pet owner and therefore are not considered a covered peril.
Just think of it along the same lines as the "Normal Wear and Tear" clause of your policy.
No,, Your homeowners insurance is considered a Hazard Insurance Policy that covers damages from sudden unexpected losses from perils such as wind, hail, falling objects, fire, etc.
Pet damage is considered normal wear and tear and an expected incidental part of pet ownership. In simpler terms it's not considered unexpected and it's not a covered hazard.
Not likely. Most homeowners insurance policies these days automatically exclude coverage for injuries or damages resulting from pet ownership.
No, it does not. That is why there are different policies called "home insurance" and "vehicle insurance".(The answer above is not entirely true. The homeowner insurance "liability portion" may pay for the vehicle damage as long as there is not an animal liability exclusion)
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.
Homeowners Insurance does not cover incidental property damage or loss resulting from our choice of pet ownership.Answerit depends , if it is your dog no you don't have any coverage for that . However, it covers dog chewing contact lenses.
Not usually. The neighbor's homeowners insurance would cover it underneath their liability insurance.
Dog insurance is just like the insurance that we carry for ourselves. By purchasing dog insurance it will assist in the coverage of things such as surgeries that your dog may require to have. If you have purchased a breed that is known to have problems it might be a good investment. There are varying options for dog insurance. http://www.petinsurance.com/ http://www.moneysupermarket.com/c/pet-insurance/dog-insurance/
No, Your Home Owners Insurance policy will not invoke. Your neighbors Home Insurance policy will also not cover if the animal exclusion exists on the policy. there will be no coverage forthcoming from your neighbors Home Owners Insurance policy. It has become common practice to exclude damage and injury resulting from ownership of vicious animals from Home Owners Insurance Policies around the country. Your Own Medical Insurance Policy however will invoke and afford coverage for your medical expenses. Other expenses such as loss of income may also be covered by your medical insurance depending on the coverages afforded by that policy.
Zurich insurance does not cover dogs unless you have a dog employed at your construction company. Zurich insurance specializes in commercial property and causality insurance.
Get the insurance company of the dog owner to pay. Homeowners insurance is not meant to be a maintenance contract. You as a homeowner are expected to maintain your property and replace things as they wear out. If your fence was properly maintained would the dog have been able to break through it?
That will depend on the individual insurance carrier. Some will not cover dogs at all, some cover only certain breeds, and some will cover any dog with no previous history of aggression. Ask your insurance agent whether your own policy covers your dog.
Highly unlikely, Most home insurance policies these days specifically exclude coverage both property and liability for all fighting dog breeds.
Dog insurance is important to have if you have pets. It will help cover expenses if your dog gets ill and needs surgery or medicines. It will also help pay if the dog is run over.
Dog insurance is pretty much exactly what it sounds like. If you have pet insurance, you can be covered for if your pet is ill or is hurt by an accident. A certain amount of cover is given if you have the insurance plan.