Pet Damage and Home Insurance
A furry friend can bring a lot of love into your house. However, your furry family member may also mean that you will be coming home to chewed through drywall or a hole in your carpet. Along with cleaning up the mess, it is also a good time to check with your homeowners insurance policy to see if your policy will provide any coverage for the damage.
Unfortunately, your home insurance policy will most likely not provide any coverage for the damage that your furry friend does to your house. It will also not provide you with any coverage if your pet decides to ruin your personal property, such as your couch or curtains. However, if your pet damages someone else’s property, such as breaking through their back fence, the liability portion of your home insurance policy will most likely provide you with some coverage for repairs or replacements.
If you do not have a pet but are surprised to find that a wild animal has caused damage to your house, such as if a raccoon decides to ravage through your garage, your homeowners insurance may provide some coverage. If your policy does provide coverage, it will only be for the structure of your garage, not for any of your personal belongings that were damaged or destroyed.
The best way to that you do not have to deal with damages caused by wild animals is to be proactive. Do not keep any objects close to your house that may be tempting to the wildlife in your area, such as trashcans. If you do find any damage, make sure to contact your agent as soon as possible to see if there is any damage that will be covered.
For all of your homeowners insurance needs to ensure that you have the right amount of protection from any pet damage, contact Young Insurance in Burbank, California.