When getting a homeowner’s insurance cover, you’d want to know what it entails. The question of whether the insurance covers pet damage is common among homeowners. If you insure your home with West Texas Insurance Agency in Amarillo, TX, you’ll get insights into what the insurance covers regarding pet damage. 

Keep reading to know more about homeowner’s insurance and pet damage. 

The Type of Pet Damage Covered by Your Insurance 

Your insurance won’t pay for damages that your pet cause in your home. The insurer considers the policyholder as responsible for what the pet does. If your dog breaks your new iPhone, or when a kitty scratches your walls, you’ll be accountable for the damage. 

The policy doesn’t also cover any veterinarian visits. Your vet bills are your responsibility.  

There are instances where the home insurance comes through with pet damage. 

Property Damage Liability 

If your fluffy puppy destroys your neighbor’s property, the homeowner’s policy can cover the damage. The insurance policy will cover any fee needed for repairs or replacement. It further provides fees if you face a lawsuit. 

Bodily Injury Liability 

Homeowner’s insurance can cover injuries that your pet cause on other people. The insurance will compensate for the fees you have used on medical payments. It further covers any legal expenses related to the incidence. 

It is crucial to talk to your insurance company to be clear on pet damage. You can request the information to understand the extent of pet damage that the insurer will be liable for. With the right details, you’ll be in a better place to establish the ideal premiums. 

At West Texas Insurance Agency in Amarillo, TX, our incredible customer service team will provide you with insights on home insurance and what it covers. Get in touch to know more about homeowner’s insurance and pet damage.