-------------------------------
“Ask Jeff" is a weekly post made on the RyanAgency.com Blog.
Submit an insurance-related question to “Ask Jeff”.
-------------------------------
Does My New York State Homeowner's Insurance Policy Cover the Loss of a Pet Due to a House Fire?
August 20, 2019
Many (if not most) homeowners policies specifically exclude “Animals, birds or fish” from “personal property” coverage.
An example of a standard ISO Homeowners policy wording is shown below:
However, some companies offer limited coverage for loss of pets under Personal Property:
Here is an example of a company’s policy that provides limited pet coverage.
Notice that the form limits coverage to:
- A specific location - “on the “residence premises”
- A limited number of perils (types of losses)
- A specific dollar amount
This article may have been originally published at Quora.com.
To see Jeff's Quora.com profile click here.
Part 7 – Designing a Value-Driven Insurance Plan
Part 6 – Advice, Advocacy, and Answers
Part 5 – Can Your Company Deliver?
Part 4 – Custom Coverage = Real Protection
Part 3: Coverage Limits - "The Ceiling You Don't Want to Collapse"
Part 2 – The Risks of Chasing Cheap
Part 1: What Are You Really Paying For?
Insurance fraud is a significant problem, exceeding $300 billion annually, with the Property and Casualty sector contributing nearly $50 billion to that total.
Living in New York, you might have a stack of insurance documents—auto, homeowners, health, or life insurance policies—filed away somewhere. But how long should you keep those documents, and specifically, what papers should you hold on to?
The year 1962 was marked by historic events—from the Cuban Missile Crisis to the passing of Marilyn Monroe. But while the world focused on these headlines, Lee A. Ryan was working alongside his brothers on my grandparents' farm when an unexpected opportunity arose—an invitation to join the insurance business. With no prior experience, no clients, and limited resources, my dad took a leap of faith and partnered with Nationwide Insurance to start an agency from scratch. Operating out of his home on Karr Valley Road in Almond, NY, he built his business one relationship at a time (some of whom are still clients!), laying the foundation for what would become a lasting legacy.
