Does Home Insurance Cover Animal Damage? 
The best answer I can provide is maybe . It really depends upon what damage is done by the animal and if it is your animal -LRB- i.e. pet -RRB- or a wild animal . Your animal & physical damage to your home : more than likely not , unless your carrier offers an endorsement against owned pet damage . I personally have never heard of this type of coverage , but that does n't mean it can not be found in the surplus lines market . Your animal & physical damage to another person or another home : sometimes yes . I say sometimes because if you have a breed of animal that is notorious for attacking people or causing damage your homeowners insurance will exclude it . However , if you have a breed that is typically docile and it randomly attacks a person or damages another person 's property your liability coverage will take care of it . Wild animal : more than likely not . If it is a rodent/pest then there is more than likely an exclusion in your policy . However , this exclusion might be something you could buy back -LRB- i.e. get coverage for -RRB- so check your policy . If it is something not considered a rodent/pest then it is very doubtful you have any coverage . I hope this helps . 