Homeowners Insurance for Pet Owners

Homeowners insurance for pet owners is recommended to protect your home and your furry friends from potential risks, including animal attacks, damaged appliances, and more. Enter your ZIP code below and start shopping for pet owner home insurance quotes from local companies to get the most affordable policy.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Nov 22, 2020

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All homeowners need to have insurance, but that can be especially evident for pet owners. Not only does the coverage include your personal property and the dwellings, it will also protect you against lawsuits arising from damages or injuries related to your pet. Be warned, though, that homeowners insurance for pet owners may be more costly than for someone without pets, because there is an increase in the potential risks when animals are brought into the equation.

Dogs and Homeowners Insurance

Some breeds can make getting homeowners insurance with a dog difficult. Dog breeds that are notorious for biting or causing destruction generally
pose too much risk for traditional insurance companies to cover. Here is a partial list of the dogs that could mean higher homeowners insurance rates:

  • Chow Chow
  • Doberman
  • Rottweiler
  • Bulldog
  • Wolf Hybrid
  • German Sheperd

Cats and other Furry Creatures

Other types of pets can pose potential dangers as well, and your insurance premiums will reflect those risks. For example, cat hair can cause the air conditioning system to clog and lead to major repairs. Another example that is common from all pets allowed to roam the home freely is the destruction of drapes or window blinds. Since a homeowners policy includes all of your personal property, the potential for damages to any property must be considered when setting the premiums.

Exotic Animals and Home Insurance

Some types of animals are not insurable, and other may require special insurance that cannot be purchased alongside a homeowners policy. Since the potential risks are different for each type of animal, you will have to consult your insurance company to find out how exotic pets are handled. Some types of exotic pets, such as the big cats, cannot be insured under standard home insurance and may require special licensing to own the pet at all.

Dogs and Fences

Putting a fence around the area of your property accessible to your dog will save you money on your home insurance. Since the fence is considered a security device which contains the risk of your dog, the insurance company will discount your policy for keeping your dog in a fenced yard or kennel.

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