Does home insurance cover pet damage to my property?

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 Grabek
Answered on Mar 03, 2021
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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