If you share your home with a dog, cat, or any furry companion, it’s only natural to wonder how much your insurance has your back when things get a little chaotic. Pets bring joy—but also the occasional scratched wall, chewed furniture, or even an unfortunate bite incident. So what exactly does your Arizona home insurance policy cover when it comes to pet-related damage?

Damage to Your Own Property Usually Isn’t Covered

Most standard homeowners insurance policies exclude coverage for damage your pet causes to your own belongings. That means if your dog rips up the carpet or your cat topples and breaks a pricey lamp, those repairs or replacements typically come out of pocket. Home insurance with your insurance agent at Insurance Center of Green Valley, serving Green Valley AZ, is designed to protect against sudden, accidental events—not gradual wear or predictable incidents caused by pets.

Liability Coverage Might Apply If Others Are Affected

Where your policy does step in is with liability coverage. If your dog bites a guest or damages someone else’s property while visiting your home, your personal liability portion of the policy may help cover medical bills, legal fees, or repair costs. Keep in mind that some breeds are excluded by certain insurers, so it’s worth confirming those details in advance.

What You Can Do

If you’re worried about potential pet damage, consider talking with your insurance agent about policy options or endorsements that offer extra protection. You can also reduce risk by creating pet-safe areas and keeping high-value items out of reach.

In Arizona, pets are part of the family—but insurance companies see them a little differently. Knowing what’s covered and what isn’t can help you avoid surprises and protect both your home and your peace of mind. Contact your helpful home insurance agent at Insurance Center of Green Valley, serving Green Valley AZ, today.