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Does My New York State Homeowner's Insurance Policy Cover the Loss of a Pet Due to a House Fire?
Aug 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
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