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Does home insurance cover pet damage to my property?

My pets have caused a lot of damage to the carpeting in my home over the years. Will home insurance pay for the repairs?

Savannah Grabek · Updated on Mar 3, 2021

Reviewed by Shannon Martin, Licensed Insurance Agent.

No, most home insurance policies will not cover damage caused to your dwelling or personal property by your own pets. In the insurance world, pets are considered to be under the policyholder’s control. If they go rogue and ruin the carpeting or furniture, this can be interpreted as damage caused by the policyholder’s behavior.

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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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