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Are Pets Covered Under Home Insurance Are pets covered home insurance ? Pets part family. As , damages inflict ' persons property covered home insurance policies liability coverage — part insurance policy applies ' held liable property bodily injury damage suffered . While homeowners insurance protect home contents risks, typically limited coverage pet damage. For instance: Personal property coverage. While personal property coverage a homeowners insurance policy protect belongings risks, generally coverage personal property, a television .Homeowners insurance cover pets ways: Veterinarian visits: Any routine emergency vet visits covered homeowners insurance policies. You pet owner responsible covering vet bills. Property damage: Whether dog chews brand- iPhone cat knocks antique lamp .But damage home caused person' pet covered insurance . Likewise, damage person' home caused pet covered liability portion homeowners insurance . And pet bi...

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