Does Home Insurance Cover Animal Damage? | Wildlife and Pest Coverage

Animal Damage: What Does Homeowners Insurance Cover?

Wildlife and pests can cause significant damage to homes, especially in rural or forested areas. From deer crashing through fences to rodents chewing wires, homeowners often wonder: does home insurance cover animal damage? This guide explores coverage for large animals, small pests, and pets, helping you understand policy exclusions and protect your property.

Table of Contents

• Coverage for Large Animals
• Coverage for Small Pests
• Coverage for Pet Damage
• How to Prevent Animal Damage
• Frequently Asked Questions

Coverage for Large Animals

Most standard home insurance policies cover sudden and accidental damage caused by large animals like deer, bears, or moose. Examples include:

• A bear breaking through a garage door to access food.
• A deer crashing into a fence or exterior siding.
• A moose damaging a porch or window during a territorial dispute.

This coverage typically applies to structural repairs, such as fixing doors, windows, or fences, under the dwelling or other structures portion of your policy. However, coverage limits and deductibles apply, so review your policy or consult your insurer for specifics. For more on home insurance basics, see our guide on homeowners insurance coverage.

Coverage for Small Pests

Damage from small pests like rodents (mice, squirrels, rats) or insects (termites, carpenter ants) is generally not covered by standard home insurance policies. Insurers consider this damage preventable through regular maintenance and pest control. Common issues include:

• Rodents chewing through wiring, creating fire hazards.
• Termites damaging wooden foundations or beams.
• Woodpeckers or birds causing siding or insulation damage.

An exception may apply for sudden damage, like a bird breaking a window, but infestations or gradual damage (e.g., rodent nesting) are typically excluded. Homeowners should invest in pest control services to mitigate these risks. Learn more about exclusions in our home insurance exclusions guide.

Coverage for Pet Damage

Damage caused by your own pets, such as dogs, cats, or other domestic animals, is typically not covered by home insurance. Examples include:

• A dog chewing through furniture or doors.
• A cat scratching walls or upholstery.
• Pet-related accidents, like a parrot damaging decor.

Similarly, damage from other domestic animals (e.g., chickens, pigs) is excluded. Homeowners are responsible for managing pet behavior and covering repair costs. For pet-related insurance options, explore pet liability coverage from the Insurance Information Institute.

How to Prevent Animal Damage

Proactive measures can reduce the risk of animal damage to your home:

• Seal Entry Points: Close gaps in walls, roofs, or foundations to prevent rodents or birds from entering.
• Maintain Your Property: Trim trees and remove debris to deter pests and wildlife.
• Use Pest Control: Schedule regular inspections for termites, rodents, or other pests.
• Secure Food Sources: Store trash and pet food in sealed containers to avoid attracting animals.
• Install Deterrents: Use fencing, motion-activated lights, or repellents to keep large animals away.

For additional tips, check out Progressive’s guide on animal damage or our article on protecting your home.

Frequently Asked Questions

Does home insurance cover damage from large animals like deer or bears?

Yes, most home insurance policies cover sudden and accidental damage caused by large animals like deer or bears, such as a bear breaking a door or a deer damaging a fence. Check your policy for details.

Does home insurance cover rodent or insect damage?

No, standard home insurance policies typically do not cover damage from rodents (e.g., mice, squirrels) or insects (e.g., termites) as it’s considered preventable through maintenance.

Does home insurance cover damage caused by pets?

No, home insurance generally does not cover damage caused by your own pets, such as a dog chewing furniture or a cat scratching walls.

How can I protect my home from animal damage?

Prevent animal damage by sealing entry points, maintaining your property, using pest control, securing food sources, and installing deterrents like fencing or motion-activated lights.

For more information on home insurance and animal damage, visit PolicyPorch or consult your insurance provider to review your policy.