Pets are an integral part of family life, but sometimes the joys of owning a pet can become very expensive. Their safety is our main concern, and it is our responsibility to ensure their well-being, which brings us to the topic of pets and homeowners’ insurance.
Firstly, let’s clarify what homeowner’s insurance covers. Homeowner’s insurance covers the structure of your property and everything in it. This means that if your house is robbed, vandalized, or damaged by fire or any other type of natural disaster, then you can be compensated by your insurance company up to the limits you have chosen at the start.
With homeowner’s insurance in mind, you can choose how much coverage you want for different items in your house.
Does Homeowner’s Insurance Cover My Pets?
The answer to the question is yes; it depends on your chosen policy and the type of coverage for your pet. If you are going to be paying for homeowner’s insurance, you should consider how much it will be and make sure to inquire about the possibility of adding your pets to your policy. Some insurance agencies allow this and some do not. So make sure that your insurance provider offers coverage in your homeowners policy for pets.
Does Homeowners’ Insurance Exclude Any Pets From Coverage?
Yes, it does. And these vary with different insurance companies. Some companies’ policies exclude coverage for pets, while others will have different limits on a certain type of pet. For example, if you own two dogs of different breeds, you may wonder if the policy will cover both breeds or only one of them. That is up to your insurance provider, as every company is different in this regard.
Some homeowners insurance policies will always exclude certain types of pets and breeds. Always make sure and check with your insurance provider before assuming that your breed of animal or your exotic pet will be covered automatically.
How Does Homeowner’s Insurance Cover My Pets?
Certain Homeowner policies provide liability coverage to Pets in the following ways:
- Bodily Injury Liability
This covers your pets if they bite someone and cause them an injury. This coverage also protects you if your pet causes an accident that injures another party or their property. For example, if your dog runs out the door and attacks the neighbor’s dog, causing them to need medical treatment, then this coverage will pay for their medical bills.
- Property Damage Liability
This covers damage done by your pets to someone else’s property. This coverage will pay for an individual’s property damage if your pet(s) causes it. This coverage will not cover damage your pets cause to their property.
However, homeowner’s insurance does not cover financial costs from veterinarian visits; or care for your animal as they go about their daily lives, as an owner, this will be your responsibility.
Is it Expensive to Cover My Pets with Homeowner’s Insurance?
It is not expensive to cover your pets with homeowner’s insurance. Your premium will be different for every policy, depending on several factors.
Everyone’s home is different, and many variables, like how big it is, the number of people living there, and how many pets you have, contribute to your policy premium. The same goes for the types of pets you have, as some companies charge a higher fee to insure high-risk breeds such as pit bulls and Rottweilers, if they are not blacklisted by the specific insurance company.
Contact Homeowner’s Insurance to Get You Covered
If you are interested in Home Insurance quotes in San Marcos TX to protect your family and your pets, you need to contact an insurance company that will suit your needs. A well-experienced agency such as Matt Patterson Insurance will have the expertise to get you the best San Marcos homeowners insurance to cover your pets and their damage.