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Homeowners Insurance and Pets: What You Need to Know

Americans love their pets, in fact, over 79 million homes have at least one nonhuman family member! What might surprise you is that your homeowners insurance treats your pet like a member of the family too! However, not all pets are covered. You might also be surprised to know that one of the most common home insurance claims is the result of dog bites! If you have a pet and are buying a home or already own one, we've got you covered here as we break down what you need to know about homeowners insurance and pets.

 What is Covered and What is Not?

What types of things are usually covered?
  • Damage your pet does to someone else's property
  • Injuries caused by your pet to someone visiting your home
  • Water damage caused by a fish tank
What is not covered?
  • Damage your pet does to your property
  • Certain dog breeds and exotic animals

​Most insurance companies will not cover all dog breeds. Below is a list of the fourteen breeds of dog that are most commonly blacklisted and can create problems with securing homeowners insurance

  1. Pitt Bull Terriers
  2. Staffordshire Terriers
  3. Rottweilers
  4. German Shepherds
  5. Presa Canarios
  6. Chows Chows
  7. Doberman Pinschers
  8. Akitas
  9. Wolf-hybrids
  10. Mastiffs
  11. Cane Corsos
  12. Great Danes
  13. Alaskan Malamutes
  14. Siberian Huskies
If you do have one of these breeds check your policy to see if your insurer covers them.

The best way to avoid claims is to prevent incidents from happening. So many of us love dogs, but regardless of how friendly or well-behaved you think your dog is, dogs can be provoked to bite. While all bites cannot be prevented, there are some steps you can take to decrease the risk of your dog biting someone. Of course, remember to make sure your dog is properly vaccinated, especially for rabies.

  • Socialize your pet as early as possible by introducing them to people and other animals, especially other puppies.
  • Keep your pet on a leash, even when it is in your backyard.
  • Teach your dog the "drop it" command, that way no one will have to reach into your dog's mouth.
  • Encourage guests to respect your dog's space, especially when it is eating or sleeping.
  • Never leave children alone with your pet.

Exotic Pets

Some people's taste in animals is a bit more on the wild side. They love to own more exotic pets such as lions and tigers and bears…oh my! Your typical homeowners insurance will not cover exotic pets. However, if you own one of these wild animals, it is imperative that you have insurance. In this case, you may need exotic pet insurance.

Did you know that as a member of vipHomeLink, you can upload a digital or scanned copy of your homeowners insurance policy? This means it will be safe and you can access it from anywhere, anytime. If you haven't uploaded yours, do it now! You'll thank us later!

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