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Does home insurance cover animal damage?
I was in my attic yesterday and discovered squirrels. It looks like they’ve been nesting and have really damaged the walls, wires, and insulation. It seems like it’s going to be a big repair job. Would my home insurance cover animal damage?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Oh no! Squirrels can be quite a nuisance when they take up residence in your home. While extremely unfortunate, home insurance policies don’t cover animal damage.
Damage caused by insects, vermin, rodents, or animals is a common exclusion on home insurance policies. Most home insurance policies typically only cover these
16 named perils
, all of which are accidental or sudden. Insurance companies exclude any damage due to lack of care or general wear and tear. The infestation or damage caused by animals is considered preventable, so your insurance won’t provide coverage.
The best thing you can do is fix the damage as soon as possible. Should covered damage occur to your home, you want to ensure all other issues are taken care of to avoid a denial of your claim.
If you’re interested in further exploring your options for home insurance, consider using
Jerry
. A licensed broker that offers end-to-end support, the Jerry app gathers affordable quotes, helps you switch plans, and will even cancel your old policy.View full answer
- Gregory R.
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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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