Pets are part of the family, but they can sometimes cause unexpected damage to your home. If you’re a pet owner in Minnesota, you might be wondering whether your home insurance policy covers pet-related incidents. At SouthPoint Insurance Agency, LLC, we want to help you understand how your furry friends fit into your coverage.
Pet Damage and Property Coverage
Most home insurance policies include property coverage, which protects your home and belongings from damage caused by covered events like fires or storms. However, pet-related damage is often excluded. For example, if your dog scratches up your hardwood floors or your cat tears up your furniture, your policy likely won’t cover the repairs. Minnesota homeowners should review their policy details to understand these exclusions.
Liability Coverage for Pet Owners
While property damage caused by pets may not be covered, liability coverage can protect you if your pet causes harm to others. If your dog bites a visitor or damages a neighbor’s property, your home insurance liability coverage can help pay for medical bills or repair costs. At SouthPoint Insurance Agency, LLC, we recommend Minnesota pet owners check their liability limits to ensure they’re adequately protected.
Tips for Pet Owners in Minnesota
- Review your home insurance policy to understand what’s covered and excluded.
- Consider additional liability coverage if you own a breed that’s considered high-risk.
- Take preventive measures, such as training your pets and pet-proofing your home.
At SouthPoint Insurance Agency, LLC, we’re here to help Minnesota homeowners find the right coverage for their needs. Visit SouthPoint Insurance Agency, LLC today to learn more about your options.
