Most basic home insurance policies don’t cover damage done by your own pet. However, pet damage would generally be covered by a comprehensive or “all risks” home insurance policy, so you’ll be covered if your puppy chews through your kitchen cabinets while you’re out. That said, it’s worth noting that each instance of pet damage would count as an individual claim on your policy, which could affect your premium in the long run — so preventing damage by properly pet-proofing your home and training your pet is your best option. As with any other claim, the deductible in your policy will also apply if you make a claim for pet damage, so keep that in mind when deciding whether or not you need to make a home insurance claim.
Every insurance policy is different, so contact us today to find out if pet damage is included in your own home insurance policy.
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