If you are a pet owner, it’s your wish to see your animal friend safe and secure. As such, you may want to know if your home insurance covers injuries to your pet or if it covers injuries or damages your pet inflicts to other people. Since some pet incidences can be costly, ACU Insurance Services in League City, TX answers the question: does home insurance cover pet damage?

What does home insurance cover about pets?

Typical home insurance covers the below regarding your pets:

• Bodily injury liability: If your dog, for instance, causes injuries to other persons, your home insurance covers the ensuing medical costs. The same case happens even if your pet causes injury when on someone else’s premises.
• Property damage liability: If your horse or dog destroys some else’s property, you will be responsible for the property damages. Luckily, your home insurance can come to your rescue and cover the property damage claims.

Since liability claims can be costly, you need to update your home insurance liability coverage if you own a dangerous pet. Besides, you can consider umbrella insurance if you have significant assets to protect.  Additionally, home insurance can cover legal fees and settlement claims if the person goes ahead to sue you.

Home insurance exclusions regarding pets

Typical home insurance won’t cover the below regarding your pet:

• Veterinarian visits: Home insurance doesn’t cover injuries or illnesses to your pet. As such, you should invest in pet insurance to cover vet visits.
• Property damage: If your dog or cat rips your carpet or sofas apart, home insurance won’t cover the damage because your insurer expects you to control your pet’s behavior that may result in property damage.

Are you ready to get started with home insurance in League City, TX? Please consider ACU Insurance Services for all your home insurance solutions.