Most homeowners insurance policies include coverage for damage caused by pets. This coverage can help to pay for repairs to your home or belongings if your pet causes damage by chewing, scratching, or knocking things over. However, there are some exceptions to this coverage, so it's important to read your homeowners insurance policy carefully to understand what is and is not covered.

Does House Insurance Cover Pet Damage?

Common Types of Pet Damage Covered by Homeowners Insurance

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Chewing: If your dog or cat chews on furniture, walls, or other belongings, your homeowners insurance may cover the cost of repairs.

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Scratching: Scratches on floors, walls, or furniture caused by your pet's claws may also be covered by your homeowners insurance.

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Knocking Things Over: If your pet knocks over a lamp, vase, or other object, your homeowners insurance may cover the cost of replacing the damaged item.

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Biting: If your dog bites someone, your homeowners insurance may cover the cost of the victim's medical expenses.

Exclusions to Pet Damage Coverage

There are some types of pet damage that are not covered by most homeowners insurance policies. These exclusions may include:

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Damage caused by a pet that is not listed on your insurance policy.

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Damage caused by a pet that is considered to be a dangerous breed.

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Damage caused by a pet that is not properly trained.

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Damage caused by a pet that is left unattended for an extended period of time.

How to Increase Your Pet Damage Coverage

If you are concerned about pet damage, you can take steps to increase your coverage. These steps may include:

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Adding a rider to your homeowners insurance policy that specifically covers pet damage.

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Increasing the liability limits on your homeowners insurance policy.

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Purchasing a separate pet insurance policy.

Preventing Pet Damage

The best way to protect your home and belongings from pet damage is to prevent it from happening in the first place. Here are some tips for preventing pet damage:

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Train your pet to behave properly.

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Provide your pet with plenty of toys and activities to keep them occupied.

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Keep your pet away from areas of your home where they are likely to cause damage, such as furniture and electronics.

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Don't leave your pet unattended for an extended period of time.

By following these tips, you can help to reduce the risk of pet damage and protect your home and belongings.