To minimize gaps in your property coverage, notify your property insurance carrier that you have a pet, even if it is not a dog. Although some dog breeds may be the primary concern of insurance companies, other animals might cause damage, for which an insurer may be obligated to pay if you submit a claim. For example, Cats might scratch a visitor or destroy the carpets on your property. If you fail to report that you have a pet, an insurance company may refuse a claim due to deception, affecting your ability to acquire future coverage.