Are Pets Covered on Home Insurance?

Pets are a part of the family and as such we are all worried about what would happen should they be killed or injured in our homes. For those in the Centralia, IL area, the agents with Alcorn Insurance Agency can outline just what your policy covers.

In most cases, your insurance is going to cover a wide range of things that are directly associated with your pet. They do cover pet damages to someone else’s property, they often cover things like dog bites to other people, they may cover vet bills if your dog attacks another dog, and they may even cover the cost of the theft of a pet.

In terms of taking care of vet bills, if your pet dies, or if your pet is injured, most policies steer clear of this distinction because not all people own pets. There are alternatives however for those that do have pets and want to protect them. You can take out pet insurance which is very similar to health or life insurance for people to help cover vet bills, take care of them if they are hurt, and more.

In most cases, the homeowner’s policy that you have in place is meant namely to protect the homeowner and the home as well as the contents of the home. That is not to say that they are not also going to protect the home and homeowner from pets and pet damages but that pets are not always the main tenant of any home insurance policy.

If you are at all concerned about what your policy covers and you live in the Centralia, IL area, the agents with Alcorn Insurance Agency can help go over your policy to tell you just what it covers.