Will Home Insurance Cover My Pets?
If you’re looking for home insurance in Miami, FL, it’s reasonable to wonder if your pets will be covered under your policy. After all, even well-trained pets can cause unintentional damage to your property, possessions, or even to other people. Prestige Insurance Group wants to fill in the gaps for you, so you have a better idea of what you can and can’t file a claim for.
Standard Policy Terms
Under standard policies, home insurance generally does not cover your personal property against pet damage. So if your dog broke your big-screen television or chewed through an expensive piece of furniture, it’s unlikely to be approved for reimbursement. The same is true for the grounds and structure. A rambunctious animal who managed to chew through part of the floor or claw the paint job on the wall is generally not a covered event.
While your own property may not be covered, though, you may be able to cover other people’s property through the liability coverage on your policy. So if your neighbor puts up a fence and your pet puts a hole through it, you may be able to file a claim still. Please note that in Miami, FL, your pet would likely need to be a domestic, personal animal to file for this type of liability coverage. If your animal is used for commercial purposes, then you would likely need to file the damages under a commercial insurance policy.
Talk to a Pro
Prestige Insurance Group wants you to know more about how to protect your home from a variety of threats. We’ve served countless homeowners in Miami, and we’re here to do the same for you. If you have questions about how your pet factors into your policy or you just want to know more about general coverage options, give us a call today.