Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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Property damage by pets is covered under your homeowners insurance policy only when the animal is covered by that policy. When it comes to the types of pets that can be covered under a homeowners insurance policy there are certain breeds of dogs and exotic pets that can be difficult to insure (i.e. “aggressive” breeds like Pit Bulls, German Shepherds, etc. or a large snake).

When making the decision to purchase a pet most people consider the actual cost of the pet, the cost for shots and other veterinarian care, the cost for food, the cost of pet insurance, and the cost for grooming. However, many people forget to consider the increased cost to a homeowners insurance policy. Understanding what property damage insurance covers and the animals that are included is essential.

Pet Damage
I’m sorry… the wall just looked so delicious… maybe your home insurance will cover it?

Once you have finished reading all of the details about pet damage and home insurance then be sure to enter your information in above to compare free quotes for insurance!

What is Property Damage Coverage?

Property damage coverage is one of the main elements of a homeowners insurance policy. As its name implies, property damage coverage covers damage to your property. There are many different ways this damage can be caused. One way is through a natural disaster such as an earthquake, violent storm, hail, or wind. Other natural disasters such as floods and hurricanes are not covered and require a special rider added to your policy.

Also covered under property damage is vandalism and break-ins. This could be anything from a broken window to a home that has been clear of its valuables. The insurance company will only cover what you have proof of owning. You can’t simply make a list of electronic items you say were stolen from your home. You have to have receipts, pictures, or other documents proving what was in your home. Keeping this documentation up to date is important.

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Fire damage coverage is also part of a traditional property damage policy. Fire can cause amazing amounts of damage and equally damaging is the smoke, ash, and soot left behind. The water and fire extinguisher chemicals used to put out the fire can also cause a lot of damage to your home and its contents. Damages as a result of all of these is covered under the fire damage section of a property damage policy.

The amount of property damage that will be covered depends on many factors. The first factor taken into consideration is the age of your property. Older homes are more prone to damage from natural disaster and even fires from electrical issues. Another factor taken into consideration is where the home is located. If your home is located in a high crime area, then your coverage will be higher as will your monthly premium rate.

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Is Damage Done by Pets Covered?

Pit Bulls & Home Insurance

Whether or not damage done by pets is covered depends on the type of pet and how the damage was done. One of the questions you will be asked when applying for homeowners insurance is whether or not you have a dog. You must let your insurer know if you have exotic pets in the home.

Most homeowners insurance companies will provide coverage if you have a dog, but certain types of breeds are almost always excluded. These include breeds that are prone to attack such as German Shepherds, Pit Bulls, and Rottweiler. If you have one of these breeds, or other pets, you can get an individual policy through a pet insurance company.

If you have another breed, coverage may be part of your homeowners insurance policy although each home insurance company is different. Ask, ask, ask- never assume coverage. You will have better luck finding a full coverage policy at a larger national company than a smaller local company. Once you do find a policy to cover your dog or animal, you need to understand what is covered under the policy and what the stipulations are.

First of all, home insurance companies will not cover your pet itself. If your pet gets sick or is injured, your home insurance policy will not cover any medical expenses. This can be done through a pet insurance policy. There are insurance companies that specialize in pet insurance. You can take out a policy to protect the value of your animal, especially if you have a pure bred dog.

What your home insurance policy will cover is damage done to your property or to someone on your property by your pet. The stipulation most insurance companies put on this is that your dog (or animal) is properly contained in your yard via being tied up or by having invisible fencing. The next stipulation is that the pet was not antagonized by you to do the damage or to injure the other person.

Making Sure Pet Damage is Covered

If you follow the home insurance company’s rules and keep your monthly premiums current, you will be covered within the terms of the agreement.

To find a policy that will protect your property and any damage caused by your pet, use an online comparison tool today. Comparing quotes online can give you all the information you need to make a home insurance decision for you and your pet.

Online comparison tools are easy to use and fast so enter your zip below to get started finding the best coverage for your home and your pet!