Owning a pet means that you are responsible for any actions that relate to your pet in Albany, NY. The problem with certain pets is that you may discover that your homeowner’s insurance policy will not cover any injuries or damages caused by your beloved animal. Exotic pets are particularly challenging and may prevent you from obtaining an appropriate homeowner’s insurance policy.

Specialized Insurance

In many cases, your homeowner’s insurance policy will exclude any damages or injuries that are caused by exotic pets. That is why it is necessary to consider alternative solutions.

You may need to purchase or add specialized insurance to your homeowner’s policy if you own an exotic pet, particularly a dangerous pet. For example, if you own a tiger, then you may need coverage to protect against injuries and damages that your large cat causes. Specialized insurance may be available, depending on the exotic animal.

Comparing Options

Even though many pets may be excluded from a policy, it is possible that some animals are not. For example, a policy may exclude tigers, but might protect against liability if you own a parrot or a snake.

The type of animal and the situation can play a role in your options. Comparing a variety of policies can also provide the opportunity to find a plan that is appropriate for your needs and goals. Some insurers may cover your pet, even if it is a dangerous animal and there is a high risk of problems.

Taking measures to protect your house can seem challenging if you have exotic pets. Depending on the policy and your goals, the options that are available can vary. Contact us to speak to an agent to learn more about your options and coverage plans.