Will home insurance cover dog damage in home?

Answer 1

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.

Answer 2

Answer

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

Answer 3

Homeowners Insurance and Pet DamageHomeowners policies typically exclude coverage for damage to the home caused by the owners pets.

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.

Answer 4

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.

Answer 5

Not likely. Most homeowners insurance policies these days automatically exclude coverage for injuries or damages resulting from pet ownership.