How Your Furry Friends Influence Home Insurance

For many of us, pets are more than just animals; they are family members. But while you might consider your furry friend part of the family, your home insurance provider may see them as a risk factor. Whether you're a new pet owner or considering adding a pet to your family, understanding how pets can influence your home insurance is crucial.

The impact of pets on home insurance

1. Liability coverage

One of the primary ways pets affect home insurance revolves around liability. If your pet injures someone, you could be held legally or financially responsible for expensive medical care. Most standard home insurance policies include some liability coverage. Still, more is needed, especially if you own a breed considered to be aggressive or if you have a large animal.

2. Breed restrictions

Some insurance companies have lists of breeds they consider more likely to cause harm, such as pit bulls, rottweilers, and certain wolf hybrids. If you own a breed on this list, you might face higher premiums or, in some cases, need help finding coverage. It's vital to check with your insurer about their policy regarding pet breeds to avoid any surprises.

3. Property damage

Pets can also affect the personal property portion of your home insurance. Standard policies don't typically cover damage caused by chewing, scratching, or accidents. This means any destruction your pet causes to your furniture, flooring, or other home parts likely won't be reimbursed by your insurer.

Pets bring joyfulness and companionship into our life, but they also bring additional responsibilities, especially when it comes to insurance. Not all home insurance policies are the same, especially regarding how they deal with pets. This underscores the need for you to take proactive steps. Review your current policy and speak with your insurance provider to ensure that you have adequate protection—not just for your home but for your furry family member too.

Remember, a quick call to us could save you from unexpected headaches and financial strain. We're here to help you ensure your home and pets are well-protected; it's worth the peace of mind.

Contact Us To Know More

Name(Required)

First Last

Phone(Required)

Email(Required)

What aspects of this article did you find enjoyable?(Required)

By checking this box, you agree to receive an SMS from Hecht-Stout Insurance Agency. You may reply Stop to opt-out at any time!

CAPTCHA

Phone

This field is for validation purposes and should be left unchanged.

Recent Posts

Is Renters Insurance Worth It?

You've probably heard about renters insurance if you're renting an apartment or house. Maybe your landlord mentioned it, or you've seen ads online. But is it really worth the cost? Let's break it down and see how renters insurance can protect you, your stuff, and even your wallet. What Is Renters Insurance? Renters insurance is […]

When owning a condo, most people focus on the perks of the lifestyle: a cozy space, low maintenance, and access to amenities. But one important aspect that often flies under the radar is condo insurance. While most condo owners understand the basics of protecting their unit, they may not realize just how valuable condo insurance […]

Winter is coming, and with it comes snow, ice, and freezing temperatures. While cozying up indoors is great, it's also the season when your home needs extra care to withstand the chilly months ahead. Here's the ultimate winter home protection checklist to help you protect your home and avoid costly surprises. Let's make sure your […]

The holidays are a time for festivities, joy, and road journeys to see family and friends. But with the extra hustle and bustle on the roads, accidents and mishaps are more likely to happen. That's why it's essential to ensure your car is fully covered before hitting the highway. Here's a step-by-step guide to ensure […]