Home Insurance and Pets: What You Should Know

Taking care of animals may be one of the noblest things that you can do in your life. However, it is not very easy to do so. This statement is particularly true if you are a homeowner. Having a pact can directly affect your home insurance policy in many ways.
​
Here are some of those effects as follows:

1. The Coverage
   Generally speaking, most insurance companies cover pets as well when drafting a home insurance policy. Pets are also included in the liability insurance policies in case they damage another person's property.
   
   However, most insurance companies will not cover you if your pets damage your property. So if you get into an accident in your own home caused by your pets, you will not be able to rely on insurance to pay for your hospital bills.
   
   
2. Dog Limitations
   Because dog bites are extremely prevalent nowadays, there are certain dog breeds that insurance companies exclude from home insurance policies, some of them are as follows:
      - Wolf Hybrids
      - Great Danes
      - German Shepherds
      - Alaskan Malamutes
      - Siberian Huskies
   
   While these are just a few of the exceptions on the list, consult your local insurance agent for more information on pet exclusions.       
              
3. Bite Histories
   Certain states in the U.S. hold the pet owners responsible for any damage that their pets end up causing other people. Because of this and many claims insurance companies receive in a month, they tend to limit the amount that they can cover for liability insurance when it comes to dog bites.
   
   An insurance company can choose not to cover any liability cost above 100 to $300,000. Again, you should consult your local insurance company for more information on dog bite coverage.
   
   
4. Other Pet Exclusions
   Up until now, we have only discussed dogs as pets. However, we know that many people choose to have other animals as pets as well. Exotic pets such as tigers, snakes, ferrets, and monkeys may be excluded from the policy.
   
   However, other insurance companies offer exotic pet insurance policies specifically designed for these types of animals. You should consult these companies to find out more.
   
   
5. Renter's Insurance and Pets
   If you choose to rent out your home to people with pets, certain policies and stipulations apply in this situation specifically.
   
   Some insurance companies cover occupants with pets that damage the rented property. However, they don't cover the occupant guests that have pets with them for a visit.

Conclusion
These are just some of the significant points that you need to remember when applying for Home Insurance if you have pets. By knowing these points, you will be able to understand how to use your Home Insurance to its full advantage if you have pets of your own.

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.