Insurance Guide

Online Insurance tips and advice

Other Insurance

Is Your Home Covered For Damage Caused By Your Pets

They may seem like an excellent addition to your family household, but puppies, kittens, and any other small fury animals don’t stay small for long. One minute they’re eating out of your hand, the next they’re chewing on the sofa, pooing on the carpet, and destroying the garden. Subject to popular belief, many home insurance policies don’t cover damage to your property by animals, so instead of trying to uncover your policy from the mountain of paperwork in your kitchen, why not make steps to try and prevent damage instead.

Pets can cause all sorts of damages to a home, especially if your dog looks anything like Beethoven. From tearing down curtains to scratched leather, slobbery shoes to urine floors, even the smallest pet can cause a large amount of damage. Although there are some great pet training academies all over the UK, some can be extremely expensive, so in order to save your wallet as well as your home, here are a few ideas to keep your pet’s destructive nature to a minimum.

Extra Insurance For Your Home

No matter how lovable your pets are, your home should always come first, and this means finding the right type of insurance that will offer cover from damage caused by animals. Although many insurance policies offer additional extras when it comes to covering pets, medical expenses for example, many don’t include extras to cover damage to your home that’s caused by animals.

home insurance policies

In this case, you should be looking for a stand-alone policy that’s separate to your home insurance. When it comes to protecting your home, vigilance is the best insurance policy you can have. Keeping an eye on your pets at all times, as well as coving any expensive furniture with protective sheets is a great way to keep your house in shape, and it will also do wonders for your finances too!

Extra Insurance For Your Pets

You may not be able to cover your home for any damages from your pets, but you can ensure that your pets aren’t hurt in the process of destroying your home! There are many different types of pet insurance, and buying a policy is relatively easy – basically the same process as buying car or contents insurance. As well as having the financial peace of mind that your wallet isn’t going to take a battering, you’ll also be safe in the knowledge that your pets will be cared for no matter what the injury. Some policies even entitle you to rebates for any tips to the vet, and can also pay you a sum when your pet dies.

What Happens if a Friend’s Pet Wrecks My Home?

Although accidents like this do tend to happen, it’s highly unlikely that you’ll be able to claim on their insurance, let along your own. The best thing to do is take up the situation with the pet’s owner, whether they’re a friend or family. If things still aren’t settled, then the only other option you have is to take the pet’s owner to court.