Does Homeowners Insurance Cover Exotic Pets?

Exotic pets may not be covered by home insurance. People can't ensure these pets because of how valuable they are and how different they are from other pets. Some of these animals are, but aren't limited to:

Large cats, snakes, reptiles, monkeys, apes, and aphids.

People with pets might want their homeowners' insurance to cover them if their pet bites someone or damages their home. If you have a plan that includes pet liability coverage, then you'll likely be able to get this kind of coverage, as well. However, even though this is very specific, it is not all-encompassing. When it comes to rare breeds and exotic pets, even pet liability insurance might not be enough to protect you from the costs. If your pet is a high risk, what can you do to get still the benefits you need?

Insurance for your home and your pets

People who own pets might think of them as friends they adopted, rescued, or raised. A big dog, a snake, or even a monkey you have cared for before is an animal you know how to treat. You will be able to do this in a way that keeps the animal happy and safe.

However, even if the animal is a pet, it is still an animal. Its wild impulses are still there, but they're just beneath the surface. It could be dangerous for you or someone else to do something wrong, even if they didn't mean to. Even though it's true, the animal can't be held responsible for what it does. Instead, the homeowner will be the one who has to take care of it.

It might be that your pit bull is your pet. Pit bulls are a lot of people's favorite dogs because they are so loving, loyal, and obedient. Dogs aren't always bad. When they are wrong, the reaction is usually very violent. For example, if the pit bull gets scared by a houseguest, it might bite this person and cause them much pain. They may sue you because they were hurt and had to miss work, pay many medical bills, or even be permanently disabled by accident.

If you have pet liability insurance, you might think that it would cover the costs of a dog bite. However, you might also see a list of breeds that aren't allowed on the list. There is pet liability insurance, but if a pit bull is one of them, it will not cover this person's losses, even though there is insurance for this person. It is also not likely to cover most types of animals, except for cats, dogs, and a few birds or small reptiles, like lizards and snakes. All in all, the more exotic the animal is, the less likely your pet liability insurance will payout for you.

If you get help from your insurance agent, you can find out if there are ways to protect your liability if you own an exotic pet. The resource you need to get insurance might come from an umbrella liability policy or a separate exotic pet insurance policy.