Which exotic animals are commonly denied home insurance coverage?

"My wife and I want to buy our son an exotic pet, something that’s more fun and rare than a dog or cat. We’re leaning towards a ferret. But we want to be sure that the pet will be covered by our home insurance. Which exotics are usually denied coverage?

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Alexah Grinnell
Answered on Apr 14, 2021
Alexah Grinnell has been working in the insurance industry for 5 years with a primary focus of coverage consulting in the sales department. She has been working for Jerry Insurance since July of 2019 and has also has experience working for AAA and State Farm. She currently lives in Rochester, NY with her husband and 3 kids
“While there are many types of animals that can be considered exotic, there are usually only a select few that would be considered a high enough risk by your insurance company that they might deny you coverage.
Ferrets, small birds, fish, and rodents are typically allowed with no issues. However, if you have a large cat, certain snakes or reptiles, or a monkey, most insurance companies will not be able to provide you with coverage. “
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