Undoubtedly, you see your pet as a furry (or scaly) part of your family. For insurance purposes, though, it’s not always that simple. As much as we love our pets, they are animals and they can do damage to both people and property. Before you go out and buy an exotic snake near Longwood, FL, it’s best to check with Express Insurance about whether or not it will be covered. There are a few factors to keep in mind in terms of pets and home insurance.

Property damage

When you decide to keep a pet on your property, you do so with the understanding that they could cause damage to your home. Whether it’s a dog chewing through drywall or a fish tank cracking and causing water damage, pets can pose a risk. Unfortunately, these types of damages are not typically covered by homeowners insurance. Keeping this in mind, consider taking steps, such as creating your dog while you’re away, to avoid damage.

Some animals are riskier

Sometimes certain dog breeds or exotic animals raise red flags for insurers. It may be beneficial for you to have proof of obedience school, vet records, proof of breed, and a “character witness” for your pet. All of these can help prove to your insurer that your pet is safe.

No pet is perfect

Unfortunately, dogs do bite and cats scratch. Liability insurance helps to cover you if someone is injured on your property. However, depending on your policy, this may not cover bites and other injuries resulting from your pets. Talk to Express Insurance to determine what your policy covers.

If you live in or around Longwood, FL and have questions about specific pets in your home, give us a call today.