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Does Homeowners Insurance Cover Animal Damage?

Published: June 2017

When a wild animal damages a structure on your property, your homeowners insurance may provide some coverage under its dwelling or other structures protection. Suppose a deer runs into your patio door — the damage may be covered by your dwelling protection. Meanwhile, the other structures coverage in a homeowners insurance policy helps protect structures on your property that aren't connected to your home, such as a fence, shed or detached garage. So if that deer damages part of your fence, the other structures coverage in a homeowners insurance policy may help with the costs of repairs.

Deer standing in grass.

You may want to review your policy's deductible, which is the amount you pay out of pocket before your insurance benefits kick in. You may also want to review your coverage limit, which is the maximum amount of coverage your policy provides, so that you understand how much protection you have in place should a wild animal damage your property.

A suburban home.

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Does a Homeowners Insurance Policy Exclude Certain Types of Animal Damage?

While damage caused by a wild animal to your home or other structures on your property may be covered by a homeowners insurance policy, this coverage typically won't extend to animal damage to your personal property. For example, if a raccoon ravages your garage, homeowners insurance may help pay for repairs to the structure, but damage to the items you've stored inside the garage typically won't be covered. So if the critter claws through a wall, your homeowners insurance policy may help pay for new drywall, but if it ruins your lawnmower, your policy will probably not help with the cost of replacing it.

Damage to your home or other structures from insects, rodents (for example, rats, mice, squirrels and chipmunks) or birds is usually not covered by a standard homeowners policy (although a window broken by a bird may be an exception). Animal infestations and damage from animal waste or secretions are also generally excluded from homeowners coverage. Should an opossum (a member of the rodent family) take up residence in your attic, homeowners insurance is not likely to help pay for removal, clean-up or repairs to any damage it leaves behind.

Keep in mind that homeowners insurance policies also typically do not provide coverage for damage to your property caused by a pet or other domestic animal, such as a pig, cow or chicken. So if Rover chews his way through a door, your homeowners insurance most likely won't cover the cost of a replacement.

Review your policy to see what kind of coverage it may provide if a wild animal damages your property. If you have any questions, talk to your local agent.

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This content is for informational purposes only and may not be applicable to all situations.

Coverage subject to terms, conditions, and availability. Policy issuance is subject to qualifications. Allstate Insurance Company, Allstate Indemnity Company, Allstate Fire and Casualty Insurance Company, Allstate Property and Casualty Insurance Company, Northbrook, IL. © 2018 Allstate Insurance Company, Northbrook, IL.
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