• A homeowners insurance plan is a very useful type of general insurance. The plan offers coverage for various damages to your property, including damages caused by animals. Animal damages can occur when wild animals invade your property and inflict harm. From broken fences to trampled walls, individuals residing in areas frequented by wild animals encounter numerous problems. To protect yourself from the financial repercussions that arise from these incidents, obtain a solid home insurance plan. Continue reading to learn more.

Does homeowner’s insurance cover undomesticated animal damage?

• Yes, damage resulting from wild animals is included under the animal damage coverage in a homeowners insurance plan. If you reside in a forested area and have wild animals wandering nearby, there is a significant possibility of a tusker entering your premises. If the animal goes on a destructive spree, it can inflict serious damage by knocking down walls, trampling gates, and even breaking your fences, doors, and windows. This serves as an illustration of an animal attacking a residence, and such occurrences are not uncommon. Ensure your protection by purchasing a home insurance plan that includes coverage for animal damage. This way, you can safeguard your property against such assaults.
• It is crucial to keep in mind that the insurer will only compensate for damages to the portions of the property that are included under the original policy terms. Typically, external structures that are not attached to the house, like an external garage or a gazebo in the garden, are excluded from the home insurance plan. Therefore, when a wild animal damages these external structures, the insurance provider is not obligated to fulfill the claim. Additionally, any personal items such as vehicles or decorative structures are not covered by this policy.

Does homeowner’s insurance cover insect infestations?

• No, most insurance companies do not provide protection against insect infestations because they consider these situations to be preventable. If there are termites in your residence causing damage to the furniture or even the structure of the house, you can contact a reputable pest control service to address the issue. Since it is a problem that can be resolved, your home insurance policy will not cover any damages arising from an insect infestation.
• Likewise, rodent infestations are not covered either. Rodent infestations are quite common, and house mice and rats create various issues. For example, if rodents invade your kitchen, they can gnaw through wires, cabinets, and even the woodwork. This can result in considerable damage to your home, and repairs can be very costly. However, such damages are avoidable. You can hire a reliable pest control service and request them to manage the rodent issue at regular intervals. Therefore, because they are preventable, insect and rodent infestations are not included under a homeowners insurance policy.

Does homeowner’s insurance cover household pet damage?

• In most instances, homeowners policies do not provide coverage for damages caused by pet animals. However, if your homeowners insurance policy includes a clause for personal belongings coverage, you might be able to file a claim for pet-related damage. Nevertheless, this will be rather restricted. For instance, if your dog damages the seat of your costly Italian leather sofa, you can file a claim under personal belongings loss. However, if it breaks a window or chews on part of a wooden door, that damage cannot be claimed under a homeowners insurance policy. Carefully review the clauses to comprehend the extent of coverage offered under this policy.

Reasons to invest in home insurance

Although not all specific protections against animal damage may be included in Indian home insurance plans, you should still prioritize obtaining a home insurance plan. This is due to the following reasons:
● Keeps your home safe:
Life is full of uncertainties and you can never predict what issues may arise. Should a fire occur, or if there is an earthquake or flood, your house could be entirely devastated in just a few moments. At such times, a home insurance plan can assist in covering the damages so you can rebuild and restore the home to livable conditions.

● Protects your belongings:
A house is not merely four walls; it transforms into a home when you personalize it according to your tastes. Home insurance plans also safeguard your personal possessions, protecting them from damage and theft.

● Protects your money:
Finally, by investing in home insurance, you ensure that your money remains secure. The amount you receive from the claim assists you in repairing your home after damage. This helps you avoid using your own savings, allowing you to save a significant amount of money.

Conclusion

• Owning a house is one of the largest and most anticipated investments in a person’s life. Many individuals purchase their dream home after extensive effort and struggle. This is why a home is a source of pride for its owner. A house also provides safety for the entire family and serves as an invaluable blessing. A house can last for many years, benefiting several generations. If you have purchased or constructed your dream home, obtain a reliable homeowners insurance plan to protect your cherished asset from all hazards, including pet damage. Review the fine print carefully to understand what specific coverage is offered under the plan. Note that not every home insurance policy in India may include coverage for animal damage, so consult your insurance provider to determine what coverage is actually available under the policy.

Disclaimer:

• The information provided is for illustrative purposes only. Please consult policy documents and prospectus for more details before finalizing the sale.