Some Will and Some will not, depending on the type of damage claim. You should review the terms of your policy or contact your agent for clarification. Many insurers are now excluding coverage for personal injury as well as property damage caused by pets as one can reasonably presume pet damage to be "Normal Wear and Tear". and expectedly incidental to pet ownership. Normal Wear and Tear is also excluded from almost all property insurance policies.
The easiest way is just to ask them. Bear in mind though that most homeowners insurance policies now exclude coverage for damage and injuries from pets. Fortunately though our mandated ACA compliant health care policy will cover the associated cost and it has no limit and it does not matter how or where the injury occurred. Some homeowners purchase property coverage but do not purchase liability coverage, So there may or may not be coverage for your injury under the homeowners insurance policy. You will have to start a lawsuit and when you do (providing you were bitten by their animal or injured some other way) the lawyer or judge will find out the insurance information during something called disclosure and discovery. In the discovery process your attorney will learn if they have a homeowners insurance policy, if that policy has liability coverage and if the policy provides liability coverage for owned pets. If they do have and the policy has liability coverage and pet injuries are covered under the policy then you may receive a judgement. It would be much easier to just ask them first rather than have to sue first. Also bear in mind that an ACA compliant health insurance policy already covers such injuries.
Yes, your insurance company should inform you if your dogs are not covered in a liability claim. It is important for policyholders to be aware of any exclusions or limitations in their coverage so they can make informed decisions about their insurance needs.
Your pet policy is best written to include residents, which would include tenants. Denying tenants rights that a resident owner enjoys can set up a class system in a community, which damages everyone.
Homeowners need insurance protection in the event of damage to their property. That's basically what homeowners insurance offers: financial protection in case disaster strikes. In the US, basic coverage (also called "Form 1", or "H1") will insure your house against damage from fire and lightening. If you want more protection you'll need to purchase broader coverage.Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.
I have no clue, but PetCo worked just fine for when I had the same question!
Foam floor mats are perfectly suitable for pets. There are no safety concerns involving pets and foam floor mats. Many pets also enjoy small area rugs as well as specialty pet beds which can be found at pet stores.
Depends on the association's covenants (CC&Rs). A copy of the CC&Rs is available from your county recorder's office.
There isn't an expansion pack out yet involving pets, however there are rumours that there will be one soon :)
If you research on the internet, you'll find insurance companies that cover pets specifically. I keep parrots, but my insurance company won't cover them under my homeowners insurance...I have to buy a special policy, and then they won't cover death from illness and certain other things. They won't cover my dogs either without special riders and extra money.
No, That's just a result of our lifestyle or our choice of pets. Damages from our pets are considered to be a normal and expected result of pet ownership. Damages to our home and property by our choice of pets are never considered a covered peril under a homeowners insurance policy.
Lifelong Pet Insurance is a type of insurance that covers pets. The insurance covers all vet's fees for accidents, injury and illness. Policies also offer cover the costs involved in losing a pet due to theft or straying. Dog owner are covered for third party liability and legal costs.
I live in a small motor home with my pets. Sometimes those pets have accidents so I'd like to get a carpet cleaner to use as needed. What are some of the best carpet cleaners for small spaces?