If you love pets, you know how exciting it is to have an animal friend around you. However, sometimes your best friend can go rogue, causing damage and injuries. But the question is, does home insurance cover damages caused by your pet? To find out, Phil Klein Insurance Group of West Bloomfield, MI is exploring instances when home insurance comes to your rescue when your pet does the unthinkable.

Pet damage not covered by home insurance

When your cat or dog eats away your expensive sofa, you can start looking at your bank balance because home insurance won’t cover this damage. Similarly, home insurance will still not cover it if your pet causes injuries to you or your loved ones. Why this? The insurer assumes that you are fully controlling any pet that lives with you. So, if your cat rips through your couch, this could be deemed as damage caused by the property owner’s behavior!

Pet damage covered by home insurance

Home insurance covers pets, but not in the way you think. Unlike how home insurance covers your couch or sofa, the same doesn’t apply to your pets. What does this mean? Your home insurance doesn’t cover your pet when they are injured or fall sick — this is the work of pet insurance.

However, when your pet causes damage to other people’s property, home liability coverage kicks in. Similarly, when your pet injures a third party, home insurance covers the medical bills, including legal costs, if you are sued. And this coverage extends even when the pet causes injuries outside your property. For instance, home insurance should cover all the related costs if your dog bites a passerby when you are walking it.