6 Thoughts on Would home owners insurance cover damage done to a tv by our dog?
  1. Reply
    Kitten Cat
    June 20, 2011 at 6:06 am


  2. Reply
    Spock (rhp)
    June 20, 2011 at 6:09 am

    if you don’t ask the company, you won’t ever know.

  3. Reply
    June 20, 2011 at 7:07 am

    This would be a good time to pull out your homeowner’s insurance policy and look up the coverage and the exclusions for your personal property damage. That’s what it’s there for. I know when I worked for an insurance agent, damage to your personal property by your own children under the age of 13 would be covered less your deductible. Perhaps you have a child in the house? Anyway, this is why they give you a copy of your policy. If you can’t find it, your insurance agent would be able to find the answer for you. That’s what they’re there for.

  4. Reply
    June 20, 2011 at 7:35 am

    You need to read your insurance policy. Some people buy basic coverage, others more broad. We have no idea what kind of policy you wanted.

  5. Reply
    June 20, 2011 at 7:39 am

    Nope. Damage done to your home or contents, by your pet, is specifically excluded. Sorry.

  6. Reply
    Essex Dan
    June 20, 2011 at 8:04 am

    Personal property like televisions are usually subject to “named peril” coverage which means only the causes of damage listed in the policy are covered. “Damage by domestic animals” usually isn’t one of them. If the dog jumped and fell into the TV it still might be covered if “falling objects” is one of the covered causes of loss for personal property and the insurer decides a jumping dog could fit the definition of a “falling object”.

    If you have “all risk” coverage on your personal property it might be covered unless animal damage is specifically excluded in the exclusions section. Read it carefully since insurance companies do make distinctions between a cat or dog and say, a deer jumping through your living room window.

    Damage done by domestic animals is commonly excluded for the “dwelling” section of the policy. This is mainly because dogs and cats ruining carpets by urinating on them is relatively common and would be difficult to sort out whether the damage was from a single occurrence or multiple occurrences requiring multiple deductibles.

    It’s worth checking your policy though.

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