Homeowners insurance provides liability coverage if your cat injures someone or damages their property. Coverage may differ based on your provider or breed restrictions. Insurance does not cover costs for your pet’s veterinary care or damage to your property.
Most homeowners insurance policies cover fire and theft. In 2019, about 5% of insured homeowners filed claims due to property damage or theft.
Coverage varies for exotic or rare breeds. Pets are often seen as adopted or rescued family members.
Homeowners policies typically cover the first time a dog bites someone on the owner’s property, providing $100,000 to $300,000 in liability coverage.
Pet Insurance and Liability
If your dog were to bite someone, your dog liability insurance would cover the injuries and help protect you from any legal repercussions, such as a lawsuit.
Pet insurance is a type of insurance that covers your pet if they become ill or injured. It can also cover you in case your pet damages someone else’s property. Homeowners and renters insurance policies typically cover dog bite liability legal expenses, up to the liability limits.
Common Pet Insurance Coverage
- Liability coverage if your pet bites or injures someone.
- Coverage of the cost of offering a reward for the return of a lost or stolen pet.
- The cost of caring for your pet if you are hospitalized.
- Accidents, illnesses, surgery, hospitalization, prescriptions, and emergencies.
Most pet insurance policies include coverage for vet bills related to accidents and illnesses. Some plans only cover accidents, but most UK pet insurance plans cover both accidents and illnesses.
Comprehensive coverage can help cover the costs of vet visits, prescriptions, X-rays and lab expenses, in addition to costs related to accidental illness and injury.
Pet insurance does not generally cover the theft of a family pet or provide a death benefit if your dog or cat dies.