Does House insurance Cover dog damage?

Asked by: April Casper  |  Last update: February 11, 2022
Score: 4.8/5 (47 votes)

Homeowners and renters insurance policies do not cover damage caused by your own pets. ... While your insurance policy won't cover damage that your pets cause to your property, you can use your insurance to make a claim if someone else's pet damages your property.

Can you claim on house insurance for pet damage?

Is accidental pet damage covered by my standard home insurance? Unfortunately, most standard home insurance policies won't cover accidental damage caused by pets. The majority of home insurance policies exclude damage caused by pets chewing, scratching, tearing or fouling.

Is dog damage covered by insurance?

Similarly, most homeowners insurance policies exclude coverage for damage caused by a pet or domestic animal (as well as insects and rodents) to structures on your property, such as your house or fence.

Is a dog covered under homeowners insurance?

Your homeowners insurance policy will cover your pets from a liability standpoint, including if they cause bodily injury or property damage to a third party.

What dog breeds are not covered by homeowners insurance?

The dog breeds that are most commonly excluded from a homeowners insurance policy include:
  • Rottweiler.
  • Pit Bull.
  • Staffordshire Terrier.
  • Doberman Pinscher.
  • Akita.
  • Alaskan Malamute.
  • Siberian Husky.
  • Wolf breeds.

Does Your Home Insurance Cover Animal Damage

19 related questions found

What dog is most likely to turn on its owner?

Pit Bull Terriers

Probably the most notorious breed on this list, the pit bull has a reputation for unpredictability and aggression, even against its owner or his family. State and local governments have been vigorous at restricting ownership of this dog with breed-specific legislation.

Are pit bulls covered under homeowners insurance?

Unless your pit bull has bitten someone in the past, you're eligible to receive homeowners insurance coverage through State Farm. The company considers each dog's personal bite history to assess its insurance risk rather than having a rule that impacts every dog from a specific breed.

What is considered pet damage?

Pet damage can include things like excessive pet hair left at the property or urine stains in the carpet or carpet pad. ... At Good Life, we understand that some owners may be hesitant to accept pets due to the potential damage they may cause.

Do you have to tell your homeowners insurance about a dog?

Yes, you should tell your homeowner's insurance company if you have a dog. Homeowners insurance for dog owners will indemnify you against claims for damages as a result of your negligence, including dog bites and property damage.

Is damage caused by animals covered by insurance?

Animal infestations and damage from animal waste or secretions are also generally excluded from homeowners coverage. ... Keep in mind that homeowners insurance policies also typically do not provide coverage for damage to your property caused by a pet or other domestic animal, such as a pig, cow or chicken.

Does insurance cover animal damage?

Even damage caused by your own pet is covered because, after all, animals will be animals. Along with collision insurance, comprehensive can be a valuable additional coverage for your car. ... Hitting a deer or other animal. Damage caused by animals.

Does accidental damage damage pets?

Pet damage home insurance is essentially the 'accidental damage' aspect of a home contents insurance policy. When you take out home contents insurance you will probably want it to include cover for accidental damage.

What breeds of dogs raise your insurance?

According to, “Dog breeds that are typically associated with higher insurance premiums include Pit Bulls, Rottweilers, Doberman Pinschers, German Shepherds, Siberian Huskies, Akitas, and wolf-dog hybrids.” adds Chows, Great Danes, Presa Canarios, and Alaskan Malamutes to their list.

Why do insurance companies ask if you have a dog?

Many homeowners insurance policies cover dog bites and other incidents. Your policy's liability insurance is intended to protect you financially by covering medical expenses if someone is injured on your property. The breed of dog is a key factor when it comes to determining your homeowners insurance premium.

What dog breeds are considered aggressive?

Here is a list of 10 dog breeds often labeled as aggressive:
  • Akita. ...
  • American Staffordshire Terrier/American Pit Bull Terrier. ...
  • Cane Corso. ...
  • Chihuahua. ...
  • Chow Chow. ...
  • Doberman pinschers. ...
  • German shepherd. ...
  • Perro de Presa Canario.

What damage can a dog do to a house?

Dogs tend to cause urine damage, door/wall scratches, and torn-up carpet, as mentioned above, particularly at exit doors, and bedroom doors. Cats are a little more complicated, but you'll find torn and punctured window screens, and "going to the bathroom in wrong places" problems, too.

Do pet fees cover damages?

A pet fee is essentially the price of admission for having a pet in the unit. Generally, this won't cover any damages. Your landlord might not know the terms well either, so if they charge you a pet deposit that's non-refundable, it's really just a pet fee.

What is a reasonable amount for a pet deposit?

Pet deposits and fees vary, but typically range from $200 to $500. Landlords may also charge a monthly rate of $25 to $100 for pet rent. Be aware that some states or municipalities have laws that limit the amount you can charge.

Can homeowners insurance discriminate against dog breeds?

Not all insurers restrict coverage based on dog ownership or discriminate between dog breeds. One solution to homeowner insurance coverage problems arising from dog breed restrictions may simply involve finding an insurer that doesn't restrict coverage on account of your best friend's breed.

How much is insurance for a pitbull?

Generally speaking, you can expect to pay between $37 to $50 per month for basic health insurance for your pit bull based on information collected from two pet insurance providers. Adding extras like wellness plans or preventative care can also add to your pit bull insurance cost.

What is the most loyal dog?

1. Akita. Topping the list of the most loyal dog is the Akita which are described by the American Kennel Club as being "profoundly loyal". One famous Japanese Akita, called Hachiko, continued to wait at a train station every day for 10 years after his owner's death, hoping he'd eventually return home.

How do you tell if your dog will protect you?

Dogs are likely to act with protective/aggressive behavior, even if they don't feel any immediate threats nearby. If a dog feels like their keeper is someone special, it may sit down nearby to guard them. This is more likely to happen whenever people are relaxing or eating somewhere.

Which dog breed has the most powerful bite?

Dogs With The Strongest Bite Force
  • Mastiff - 552 pounds. The Mastiff takes the crown with a reported bite force of 552 pounds. ...
  • Rottweiler - 328 pounds. Rotties are known for being fierce and strong dogs. ...
  • American Bulldog - 305 pounds. ...
  • German Shepherd - 238 pounds. ...
  • Pitbull - 235 pounds.