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?

Answer
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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Savannah Grabek
Answered on Mar 03, 2021
Savannah Grabek is an expert in Personal Lines insurance. She has 5 years experience in the insurance industry. Savannah began her carrier working with just property insurance and is now tenured in all personal line including home, auto, motorcycle, boat and umbrella. She previously worked for GEICO and has now been working with Jerry insurance for the past year. Savannah lives in New York with her son, fiancé, and puppy Bear. In her free time she enjoys spending quality time with her family and hiking with her dog.
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