Although most content insurance covers accidental damage, this may only cover specific damage, such as electrical equipment, and not cover personal belongings or furniture. As well as this, accidental damage may not cover damage done by pets. As such, when taking out home insurance, pet owners should check the policy carefully to ensure that personal belongings and furniture is covered under accidental damage and that this includes damage caused by pets. If the policy does not cover this, pet owners should extend their policy to cover this, or, alternatively, look for another home insurer that will cover accidental damage caused by pets within the policy.
If the home content insurance policy does not cover damage caused by pets, homeowners could find themselves having to pay to fix the damage themselves, which could mount up to a significant amount over the years. Dog owners can discourage their pet from causing damage by taking their dog to a professional dog trainer. Meanwhile, there are sprays available that can deter cats from damaging furniture and cat owners can invest in a scratching post to encourage their cat away from scratching their furniture.
