Homeowners Insurance & Pet-Caused Damage

Do You Have Coverage For Your Cat’s Claws? Having a pet means you get to add a furry family member, teaching your kids responsibility and guaranteeing someone to curl up on the couch with you. It also means welcoming risk. Even the best behaved dog can have an accident on your white carpet, and even the calmest cat might claw up your couch if she gets too lonely. After coming home to a mess from your pet, you may be wondering if your homeowners insurance will kick in. After all, your furry family member is, in a way, a force of nature, right? Unfortunately, if your pet damaged some of your personal property your insurance will not kick in to cover the cost. Similarly, if your larger pet gets overly excited and tears the doggie door straight out or busts part of your porch railing, you cannot expect your homeowners insurance to cover these structural damages. Then, is there any way that your homeowners insurance protects you against damage caused by animals? Fortunately, the answer is yes. When a wild animal damages your dwelling or a covered structure on your property, you can expect your coverage to kick in. The protection stops at personal property, though, so do not assume that the damage the raccoon did to your lawnmower will be covered. Also, animal infestations will generally not be covered. The troubles of being temporarily without a home are compounded when you own a pet. Do not leave your family in a bind by skimping on homeowners insurance. For the best coverage at the best price in Chino Hills, Long Beach, Seal Beach, Los Angeles, and all of California, contact Fuller Insurance. We are here to help you get the protection you need to safeguard your family and Fido.