Does My Home Insurance Cover Animal Damage?

​A home insurance policy is an extremely useful type of general insurance. The plan covers a variety of property problems, including animal damage.

If there's an unattended animal in your house for an extended period, the damage can be severe. It may be best to get excellent house insurance coverage to protect yourself from financial losses caused by these disasters. Continue reading to learn more.

How Does Home Insurance Protect Against Animal Damage?
Your home insurance company may cover certain risks for you, your house, and your items. Generally, you should have liability coverage, your home's structure, personal items, and, in most cases, additional living expenses.

So, if a wild animal ruins a structure on your property, your homeowners' insurance may pay some of the damage under its dwelling or other structures coverage. 

The dwelling coverage may protect the structure of your house and everything linked to it, such as an attached garage. Meanwhile, other structure coverage may protect your property's detached structures, such as a fence or shed.

Is Bug Infestation Covered Under Homeowner's Insurance?
No, most insurance companies do not cover pest infestations because they believe these situations are avoidable. 

If termites are causing damage to the furniture or even the house's structure, you may contact a reputable pest control firm to investigate the situation. Because it is a resolvable issue, your house insurance policy may not cover any damage caused by an insect infestation.

Likewise, insurance companies may not cover rodent infestations. Rodent infestations are typical, and house mice and rats create various problems. However, any harm they may have caused is avoidable. You may hire a professional pest control agency and have them come out regularly to deal with the rat problem. 

Takeaway
A house can be one of the most important and anticipated possessions in a person's life. It provides security and comfort for the entire family. So, buying decent home insurance coverage may protect your precious possession from threats, even animal damage.

At Jacobs Insurance Solutions, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (817) 485-8989 or Click Here to request a free quote. The coverage discussed in this article is not guaranteed. Please call our agents, we are happy to help you learn more about your plan and make sure you have the coverage you need.