While you surely love your pets, you must admit they can really do a number on your home. Accordingly, owning a pet or two can impact your homeowners insurance policy when it comes to cost, as premiums might be higher to offset any risks. The following are a few details to keep in mind if you’re thinking about adding a pet to your brood. 

Home Insurance Also Offers Liability Coverage

The liability portion of your home insurance is extremely useful, if not often overlooked. Many people don’t believe they’ll be subject to a lawsuit. However, it’s more likely than you think, especially if you’re a dog owner. Even the most well-behaved dogs can attack others, and in most cases, you’ll be responsible for any damage that occurs. 

Dogs are considered the property of their owners. That means if your dog bites someone and that person sues you, you’ll be responsible for things like courts costs, medical expenses, and damages if they’re awarded. Homeowners insurance usually helps covers these costs, but only if the policyholder reports ownership of the dog. 

You May Need an Additional Rider for Exotic Pets

The above situation is common among homeowners, but what if your pets are among the more exotic variety? Certain types of reptiles, Savanah cats, tarantulas, and many others may pose a greater risk than your average cat or dog, which is why a rider is recommended.

The first step is to contact your insurance agent. You want to make sure that you can secure coverage for the pet you own, which is not always possible. Some states prohibit owning certain animals, which would make finding insurance all but impossible. 

Integrity Insurance Solutions is glad to work with pet owners to ensure their homeowners insurance policies are up-to-date. Based in San Marcos, TX, these kind and knowledgeable agents are known for working with their clients' specific needs so you receive personalized service. Along with home coverage, they also offer auto, business, and umbrella insurance. As an independent agency, you can rest assured of reasonable premiums thanks to their great relationships with multiple carriers. Schedule a consultation by calling (512) 396-2211. You can also visit them online for more information on insurance services.