Can Having Pets Increase My Home Owners Insurance Rates?

​You woke up to find that your beloved pet dog has chewed on your leather sofa. He also tore up your silk rug and destroyed some drywall. The question is, will your homeowners’ insurance cover damage to your house and your belongings?

• Homeowner’s Insurance Has Limited Coverage
  Homeowner's insurance will protect your house and your belongings from certain risks, but it has no coverage for damages made by your pet. As a pet owner, you're expected to train your pet, keep them safe and keep your property safe as well. 
  
  Personal property coverage is a part of homeowner's insurance. It may help cover damage to your property, but there is no coverage for electronics such as an expensive stereo, home theater system, or a piece of furniture. If your pet chews on your stereo or destroys your carpet, then you can't file a claim for it. 
  
  
• Dwelling, Structures Coverage Can’t Provide Cover.
  Most homeowner's insurance doesn't cover damage due to a pet or a domestic animal to any structure on your home or fence. These include your pets as well as insects or rodents that attack your home. If your dog should wreak havoc in your home, you can't use your homeowner's insurance for coverage.  
  
  
• Your Plan’s Liability Coverage
  What's included in most homeowner's insurance coverage is if your pet causes damage to other people's property. If your pet dog breaks into your neighbor's yard and chews on their patio furniture, then your home insurance liability coverage can cover the damages. 
  
  
• Your Pet, Your Responsibility - Train Your Pet
  As a pet owner, you're held responsible for your pet's behavior. Any damage to your property is the result of your neglect to train your pet properly. Pet training starts from day one. Be firm and teach your pet about house rules. Experts in animal behavior also say that inappropriate pet behavior like chewing on things and destroying items can result from boredom. So, take time to play or walk your pet to put a stop to destructive behaviors. 

Conclusion
Talk to your home insurance agent about your policy and make liability coverage changes before it’s too late. Don’t get caught without proper home insurance coverage.

At Kapasu Insurance Services Inc., 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 (760) 995-3853. Get your free quote today by CLICKING HERE.