How Do Pets Affect My Home Insurance?

Owning a pet is one of the greatest joys that most people have ever known. Whether you have a cat, a dog, or some other pet, it is important to understand how your home insurance will be affected.

How Pets Affect Home Insurance Rates

To put it simply, pets can be dangerous. If a pet that you own causes harm to a person in your home, you will be held responsible. For example, dog bites are a common cause of home insurance claims every year. If your pet harms someone on your property, you are liable and your insurance company will have to pay. Because of this having a pet can increase the cost of your home insurance. Contact Robnett Integra Insurance Services of Brownwood, TX to compare quotes today.

Does Home Insurance Cover Pets?

Home insurance does cover pets in the sense that it will pay for liability and medical expenses related to injuries or damages that your pet causes. However, if you are interested in coverage that will pay for your pet specifically, then you will need to shop for pet insurance coverage as a separate policy.

Are Some Pets Excluded from Coverage?

While it will vary from one insurance company to the next, some pets are considered too much of a risk. This means that certain pets will only be covered by limited coverage or not covered at all.

If you are a current pet owner or planning to add a pet to your home, contact Robnett Integra Insurance Services of Brownwood, TX to find out how your home insurance will be affected. Give us a call today! We are more than happy to address any concerns that you may have about getting a pet or making changes to your current policy.