Courtesy of iii.org
You may have read the latest story in I.I.I. Daily about raccoon injuries and homeowners insurance. The bottom line: raccoons entered a house and caused $ 80,000 in damage. Homeowners were surprised to learn that their insurance would not cover any of it.
So what about animal injuries and insurance? . If your dog Fido tears through the sofa or peeks all over the wall, you'm in luck. Standard terms for homeowners do not cover damage to your home or personal property caused by a pet. And "pet" is a pretty broad term. It does not matter if it is a Shih Tzu or a Clydesdale horse, pets are any animal you own.
What about animals that are not pets, such as deer or birds or ̵
Building damage: You are probably not covered by any damage to the building caused by birds, rodents, insects or pests. There will probably also be no cover for nesting or infestation. However, insurance policies can vary widely, but make sure you ask your agent what is and is not considered a rodent or pest (some insurers say raccoons are pests, others say they are not). The specific details of your policy will determine your coverage.
Damage to the building from other wildlife can, however, be covered . If a moose runs through the sliding door to your deck, the damaged door would be covered.
Personal Property Damage: Unfortunately, your personal property is probably not covered regardless of the type of animal being harmed. If a moose runs through your sliding door and wreaks havoc on Grandma's porcelain, then you're covered for damage to the door, but not the porcelain. Fido for a dog play date. Fido then slams through your friend's couch. Are you covered? Yes. Protection of homeowners' liability covers damage to other people's property caused by your pets. Just not your property. Friendship is saved.
Personal car insurance
A squirrel chews through the wires of your car. Fido bends your door chasing a squirrel. A moose hits your car in a rage and smashes the windshield. (Why do I think of moose scenarios?)
Does personal car insurance cover animal injuries? Yes, if you have optional comprehensive coverage. If you only have collision coverage, you will not be covered.
Collision only covers damage when a car overturns or hits another car or object. Extensive cover … more or less everything else: damage from falling objects, fire, explosions – and birds and animals.
So if you paid the extra premium for extensive coverage (as most Americans do), then you are covered for damage from chewing squirrels, careful Fidos and hanging moose (meese?).