Home insurance is something that we are required by law to hold and as such, it is important to know just what it covers. For pet owners, it might be a bit difficult to tell if your pets are covered or not. For those in the Bourbonnais, IL area the agents with George Ryan Jr. Insurance Group Inc can answer all of your questions.
For the most part, your homeowner’s insurance is going to be geared at protecting people from your pets rather than protecting your pets. This means that virtually all policies have a clause that has to do directly with dog bites and dog damage while few say anything about taking care of vet bills or loss of life in a disaster.
The main issue with pets and home insurance is going to be making sure you disclose what breed of dog you have, how many you have, and where they are in the home. This is going to give your agent the chance to make an accurate policy that covers all the bases. Some homeowners choose to take out additional coverage because they own a dog to help take care of the pet and the homeowner.
This is not something that all pet owners must do but if you have what is considered dangerous dog breed or you have multiple dogs you might want to take out extra coverage. For the most part, your basic policy is going to cover most of the events you would run into and in the case of a fire, you can always mention that you had pets inside to help adjust the claim.
For those in the Bourbonnais, IL area the agents with George Ryan Jr. Insurance Group Inc can answer any and all questions that you have.