Animal Invasion? You May or May Not Be Covered
Your dog ate your couch. Birds destroyed your gutter. A family of raccoons or a bear overran your car or garage.
Will your homeowner’s/auto insurance cover these animal invasions?
Yes and no. Here’s the scoop:
Infestation: If your home suffers damage at the hands (or legs) of insects, rodents, or vermin, the cost probably won’t be covered by your homeowner’s insurance. Whatever damage these unwanted guests cause, including nesting and infestation, is not usually covered. However, this varies by policy, so be sure to check with your insurance agent to confirm.
Destruction: If your personal property is destroyed by an animal, this usually does not fall under your homeowner’s policy coverage. If the animal damages the property itself, this is probably covered. So, if a bear breaks into your garage and mauls your tools, you might be on your own to replace your saw, but the damage Mr. Bear caused to the garage door should be covered.
Liability: Coverage for damages caused by pets varies based on where the damage occurs. If your cute kitten ruins your new loveseat, you’ll have to hold Fluffy responsible. Your insurance company probably won’t pay for that. But if you bring Fido to your friends’ house and he eats their loveseat, the liability portion of your policy will kick in and cover this damage.
Do you have concerns about potential animal-related damages? Let us help you review your policies and determine what specific coverage is best for you and available in your area. Be Bear Aware!
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