Pets are an integral part of the family for millions of residents in Alabama state. Living with pets can be fun, entertaining, and even relaxing, but it doesn’t always go so smoothly. Some pets have a particular knack for getting up to mischief. In Alabama, homeowner’s policies are explicit in that any sort of damage caused by your pet to your home or personal property will not be covered. Do you know its possible to find a cover included in your home insurance that covers accidental damage and doesn’t exclude damage caused by your pet? We at Attain Insurance in Fort Payne have a dedicated policy expert team always ready to assist you in finding the right policy as per your needs.
What pet cover will home insurance provide?
Property damage liability: This home insurance policy will cover if your pet destroys someone else’s property. Your insurance will provide the fees to repair the damaged property as well as any legal fees from a potential lawsuit.
Bodily injury liability: Homeowners policy provides coverage for damages arising from injuries caused by your pet to your guests or injuries caused by your pet to tenants and guests in someone else’s house.
Accidental damage: This type of policy can cover your pets, causing unintentional damage to your building and your contents.
How much coverage do I need for my pet?
Your homeowner’s policy has a liability limit.’ To understand your potential pet liability cost and the amount of coverage you need, think about the amount it may cost for medical expenses and probable lawsuit.
If you want to ensure you have adequate coverage in place, an umbrella policy is an added layer of protection that provides a much higher level of coverage to your pet financially.
Are you a pet owner in Fort Payne, Alabama? Call us or visit our Attain Insurance website for more information!