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Insuring your home against pet damage

Barking mad. Owners count the cost of pet damage.

5 minutes

As a nation, we Brits are known for loving our pets. But they can sometimes cost us more than we planned.

The cost of pet damage

Social media is full of photos of owners pet shaming their animals for naughty behaviour like destroying furniture.

Some of Britain's naughtiest pets have cost their owners thousands of pounds of damage. 

How can I insure against pet damage?

With LV= you need extended accidental cover for damage caused by domestic pets.

Most standard home insurance policies, including LV= Home Insurance, provide some cover for accidental damage. But sometimes this is limited to fixtures and fittings or certain types of home contents, such as home entertainment equipment. And often it will specifically exclude pet damage.

To make sure you're covered for that time when your dog chews through the table leg, you may need extended accidental damage cover. This comes as standard with our Home Plus insurance
Often standard home insurance policies specifically exclude pet damage.

What is extended accidental damage cover?

This type of insurance covers you for the annoying, silly accidents that happen out of the blue. Such as a spilt pot of paint on the carpet or when your antique vase is shattered by a game of indoor keepy-uppy.

With LV=, you'll also be covered for damage to your furniture and carpets by your pet scratching, digging or chewing.

Not every extended accidental damage policy will cover you for pet damage, so it's very important to read the detail in your policy.

You'll also find that this cover only applies to your own home. So if you take your dog to visit Aunt Clara and it chews her antique chair leg, you won't be able to claim on your home insurance. It's more likely that your pet insurance will cover this type of damage.

When you insure your pet to cover vet fees, the insurance will often come with third party liability cover. This insurance pays out for legal costs and compensation if you're responsible for your dog injuring someone or damaging their property. However, it's unlikely to cover damage done by cats to other people's property.

Damage caused by other animals

Dogs and cats are not the only animals that can cause damage to your home and its contents. Rodents and insects can also cause havoc if left unchecked.

If the animal is considered a 'pest', then you may be covered for pest infestation with home emergency insurance. With LV=, if you take out home emergency cover in addition to your home insurance, we'll help you get rid of certain pest infestations.

For damage by other wild animals, such as deer or foxes, or even birds that fly in to a window, you'll need to check with your insurer.

If the damage is to the fabric of the building, such as a broken window, then you may be covered for accidental damage on your buildings insurance. If the damage is accidental, like a fox knocking over a valuable statue in your garden, then you may be able to claim on your home contents insurance.
For damage by wild animals, such as deer or foxes, or even birds that fly into a window, you'll need to check with your insurer.

Three ways to keep Fido entertained

Dogs may start to chew furniture and soft furnishings when they're bored or lonely. Here are three ways to keep your pooch entertained.

  • Leave the radio on when you go out – it can be calming for your dog.
  • Give them a puzzle toy to play with – keeps them busy.
  • Invest in a self-fetch toy – fun for your dog without your constant attention.