Does home insurance cover pet damage?

Answered by Home Insurance, Car Insurance Expert Savannah on December 29, 2020

My pets have caused a lot of damage to the carpeting in my home over the years. Will home insurance pay for the repairs?

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Savannah

Home Insurance, Car Insurance Expert

No, most home insurance policies will not cover damage caused to your dwelling or personal property by your own pets. In the insurance world, pets are considered to be under the policyholder’s control. If they go rogue and ruin the carpeting or furniture, this can be interpreted as damage caused by the policyholder’s behavior.


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