Your furry and feathered friends complete your family, so it only makes sense that you want to protect them as much as possible. One of the most common questions that we get from pet owners is about pets on a homeowners’ insurance policy. Does your insurance policy cover your pets? It depends.
Is Adding Pets on a Homeowners’ Insurance Policy Like Pet Insurance?
No, adding pets to your policy is not a substitute for a separate policy like pet insurance. Pets can be covered by a homeowners’ insurance policy, but the coverage is limited to protection against liability claims and damages. Pet insurance, however, is a way to save on veterinary bills similar to health insurance for humans.
What Types of Pets Can You Add on a Homeowners’ Insurance Policy?
The insurance premium that you pay is largely based on perceived risk. That’s why you might get questions about what pets you own, how much they weigh and their histories when getting a quote for a homeowners’ insurance policy! Most cats and dogs can be covered as pets on a homeowners’ insurance policy. In Maryland, the state prevents insurance companies from blacklisting certain breeds like pit bulls so that pet owners can still get coverage.
If you have pets beyond cats and dogs that are more exotic, like snakes, hedgehogs, ferrets, parrots or other more unusual pets, they will not be covered by your policy. This means that if they do property damage or harm someone at the property, you will be responsible for covering all of the damage out of pocket. If you have a very exotic pet, you can also explore exotic pet insurance policies that can offset the financial liability of any damage. Your Freedom Insurance Agency, Inc. agent is always here to help answer any questions you have about pets on a homeowners’ insurance policy.
Work with Freedom Insurance Agency, Inc. for Your Homeowners’ Insurance
We offer comprehensive, customized coverage from numerous major insurance carriers and make it easier than ever to find affordable policies that are exactly what you need. We have been serving clients throughout the greater Howard County and Carroll County areas since 1979, and we look forward to helping you and your family thrive. Get in touch today by calling (410) 795-2000.