For example, if the next door neighbour’s cat sneaked in through a window and knocked over a valuable item and broke it, then you should be able to make a claim under your accidental damage contents insurance. Your accidental damage home insurance cover is likely to protect you against uninvited animals causing damage. Home insurance damage caused by other animals It’s important to read over the terms and conditions of your policy before agreeing to the insurance deal as you might be surprised by some exclusions. The same goes for scenarios where your pet is being looked after by a friend or relative. For example, if your dog relieves itself on someone else’s sofa this accidental damage is unlikely to be covered by insurers. Like the accidental home insurance cover this protection comes at an extra premium and still has many exclusions so it may not always be worth it. For example, if your cat scratches someone else’s sofa and the homeowner makes you pay for the cost of the repair, your accidental damage pet insurance would be able to cover it. However, you can find pet insurance designed to protect you if your pet accidentally causes damage to another person’s property. They’re also unable to assess how well your pet has been trained so the risk of insuring your home is difficult to gauge. Pets’ behaviour can be unpredictable so insurers are unlikely to insure your home against accidental pet damage.
Besides, there are some things you can do to help keep your pets from damaging items around the home – read on to find out more. If you have pets but you don’t have young children and you’re generally not accident-prone or have many parties at home, then you may find that accidental damage home insurance is not necessary.
Some insurers may consider protecting your home against pet damage so it’s worth comparing home insurance quotes, but if they do it will come at an extra cost. This means that if a chair breaks after someone sits in it but it’s been there for 20 years the insurer is likely to take the view that it was due to wear and tear. If your young child accidentally breaks a valuable in the home then your accidental damage insurance is likely to cover it, but if your cat or dog does the same, most insurers will not pay out.Īccidental damage home insurance doesn’t cover wear and tear or poor workmanship either. It essentially covers accidents in the home, but there are many things it won’t cover, and unluckily for pet owners, most pet damage is not included in accidental damage cover. Your insurer would then replace the accidentally broken or ruined item for you.
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However, some electronics such as TVs and computers could be covered as standard, so double check the terms and conditions of your contents insurance policy.Īccidental damage home insurance covers those one-off instances where you accidentally knock your TV off the stand, drop a vase, or spill red wine on the carpet. This isn’t always included as standard, so you will likely need to pay a little extra to have accidental damage included. Our guide to accidental damage home insurance explains more. When you take out home contents insurance you will probably want it to include cover for accidental damage. Pet damage home insurance is essentially the ‘accidental damage’ aspect of a home contents insurance policy.
Read on to find out more and learn some tips to help prevent your pets from causing any damage at home. You may also consider pet insurance to take care of your family pet, to cover any injuries it may sustain, due to accidents at home. This guide explains how you can insure your home against damage caused by your pets and what home insurance doesn’t cover, as well as what to do if your home is damaged by other animals and insects. If you already have or are thinking about taking out home contents insurance you might have wondered whether your items are covered against accidental pet damage.
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