Is damage done by wild animals covered by homeowners insurance?

Damage caused by wild animals may or may not be covered by homeowners insurance, depending on the specifics of your policy and the circumstances of the damage. In general, homeowners insurance policies typically provide coverage for damage caused by sudden and unexpected events, such as storms, fires, and vandalism. However, coverage for damage caused by animals can be more limited. Here are some factors to consider when determining whether damage caused by wild animals is covered by your homeowners insurance:

• Type of damage: Homeowners insurance policies typically cover different types of damage caused by animals. For example, damage to your home caused by a deer running into your house may be covered, while damage caused by termites or other pests may not be covered.
• Type of animal: Some policies may have specific exclusions for certain types of animals, such as rodents or insects. Other policies may exclude coverage for damage caused by wild animals, such as bears or wolves.
• Location of the property: Homeowners insurance policies may vary in their coverage of animal damage based on the location of the property. For example, a property located in a rural area may be more prone to wildlife damage than a property in a city or suburb.
• Additional coverage: Some insurance companies offer additional coverage options for damage caused by animals, such as wildlife damage endorsements or add-ons to your policy.

It is important to carefully review your homeowners insurance policy and speak with your insurance provider to determine whether damage caused by wild animals is covered and what types of damage and animals are excluded from coverage. In some cases, you may need to purchase additional coverage or take steps to prevent wildlife damage to your property.