Does Home Insurance Cover Pets? 
If you have an Ho-3 policy without an exclusion for viscous animals and your animal -LRB- likely a dog -RRB- does not have a prior bite history the policy will likely respond should your pet bite someone and cause bodily injury . Some policies have specific exclusions for specific breeds . Make sure you read the endorsement carefully and check with your local independent insurance agent before filing a claim . I have not heard of insurance policy covering a `` pet '' for replacement ... meaning if your pet dies or gets injured they will not repair or replace the pet-like they would a couch or other personal property . Hope this answer helps . 