- AT A GLANCE
Homeowners insurance typically does not cover damage your pet does to your personal property or your dwelling.
- Liability coverage may help cover damage your pet does to another person’s property.
WHAT TYPE OF PET DAMAGE IS COVERED BY MY INSURANCE?
Personal Property Coverage
Dwelling and Other Structures Coverage
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. Should your dog chew through a wall or your mischievous goat break the door to your barn, your homeowner’s insurance is not likely to cover the cost of repairs.