Most homeowners assume their home insurance covers incidents involving pets. As an example, if a homeowner’s dog bites someone, the general assumption is that home insurance covers all related damages.
Though some homeowner’s insurance policies cover dog bites that occur on the property, that is not always the case.
Read the Small Print of Your Policy
If you own a pet and unsure as to whether incidents involving your furry friend are covered by homeowner’s insurance, check your policy details. You might find only certain pet-related incidents are covered.
You might also find that the policy is exhaustive, covering all damages related to pet bites, scratches, clawing, etc. However, home insurance policies do not cover the cost of healthcare for pets. You’ll need pet insurance for your fur buddy’s healthcare treatment.
Be Honest With Your Insurer
When considering homeowner’s insurance options, tell the truth about your pets. Communicate the number of pets you have including their breeds. These details help insurance companies like ours at The Mitchell Agency LLC, serving Alabama and Georgia, write policies and price them appropriately.
The truth is a homeowner’s type of pet and number of pets shapes coverage terms. As an example, a homeowner with several large dogs or potentially violent dogs might have a higher monthly premium for additional coverage.
In contrast, a homeowner with a cat or a pet parrot might have a lower rate. Factor in the potential for exotic pets along with farm animals and the picture becomes that much more complicated.
Liability Limits
Home insurance policies have liability limits that often apply to pets. Those limits typically range between $100,000 and half a million dollars.
There is also the potential to supplement existing coverage using an umbrella policy. Moreover, coverage can also apply if the pet is not being cared for by the property owner when the incident occurs. As an example, if your dog bites someone while a pet sitter is taking care of the animal, the coverage might still apply.
Get a Quote From The Mitchell Agency LLC
Call us to learn more about our insurance options for Alabama and Georgia homeowners. We’ll provide a free quote and answer any questions you may have.
