If you have a dog, it's important to understand your home insurance policy. There are things it covers and things it won't when it comes to pets. Here's what you need to know.
Damage To Your Home
When you're training a puppy or adopting a new dog, you have reason to worry about the destruction it could cause. This might range from needing new carpets, to having to replace a couch, to having your dog chew through your drywall. These types of incidents will almost never be covered by home insurance.
As a general rule, home insurance covers things caused by either nature or people outside of your household. You typically can't file a claim if you or your dog damage something.
Damage To Your Neighbor's Property
If your dog causes damage to your neighbor's property, you probably will have coverage. This would be considered a liability claim. That's because your neighbor would have the right to sue you in court for the cost to repair any damage caused by your dog.
If your dog does damage a neighbor's property, you may want to think about if you want to file a claim. The amount of damage may be less than or not much more than your deductible. Once you file a claim, there's a possibility of seeing a rate increase or losing a discount you had for your claims-free history.
If your dog bites someone, that would also fall under liability claims. As with damage to your home, members of your household typically aren't covered — you'd look to your medical insurance instead. However, if you have visitors or workers in your home, your dog bit someone walking by, your dog got out and bit someone, or your dog bit someone on a walk, those people would have the right to sue you. Those would all be potential liability claims.
Follow Leash and Other Laws
Your home insurance policy may require that you follow local laws requiring your dog to be on a leash or behind a fence or any other similar restrictions. These regulations are designed to keep both your dog and everyone else safe. If you don't follow them, your policy may exclude any claims that happen as a result.
Also Read: Homeowners Insurance Resources for Long Island Home Owners