Pet Damage: Will My Insurance Cover It?

​If your pet destroys someone else's property, you could be sued and face a hefty legal bill. You may not have enough liability coverage to protect you if your pet damages something and you've been sued. 

This article will help you understand the policy language and what it covers to make an informed decision about purchasing additional insurance protection.

What is pet damage?
It is common for a pet owner to unwittingly overlook the numerous possibilities of your pet destroying something in the house, such as damaging walls, furniture, electronics, or small appliances. 

It's also easy to forget that while many insurance companies provide a low-level claim amount or a pre-existing damage allowance with your current policy, the actual cost to repair the damage may be higher than what is offered.

If you're looking to obtain additional insurance protection for your pet, it's important to familiarize yourself with the different types of insurance coverage and what they do and don't cover.

What does my policy cover?
Every insurer uses a different definition of what constitutes "property" and "damage" and what is covered for it. The most important thing is that your policy specifies the way you can collect on that coverage.

What can I do to protect myself if my pet damages something else's property?
If you are a responsible pet owner and have your pet on a leash and keep them close to you, it is unlikely you will be at fault or found guilty.

However, if you are a negligent pet owner and are allowing your pets to run free and have little training, you could be found to be at fault and you will need to pay for damages your pet caused.

In this situation, it is best to be the responsible owner and avoid the situation altogether. However, if there is an accident and your pet damages property, there may be coverage to help you pay for the loss.

Conclusion
Owning a pet does come with the responsibility of caretaking. However, it's a responsibility you should never feel burdened by. Taking care of a pet can be an expensive venture, but it’s the responsible thing to educate yourself and take proper steps to train your animals and avoid damages.

At Robinsons Insurance Agency, LLC, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (888) 254-7350. Get your free quote today by CLICKING HERE.