Pet Safety During the Holidays: Are You Covered for Pet-related Damage?

The holiday season is a time of joy and celebration, but it can also bring unique challenges for pet owners. With the hustle and bustle of festivities, it’s essential to be aware of potential pet-related hazards and understand whether your homeowners insurance covers any damage your furry friends might cause.

Potential Pet-related Holiday Hazards

The following are potential pet-related holiday hazards:

• Decorations—Sparkling ornaments, tinsel and lights can be irresistible to pets. Cats might climb Christmas trees, knocking over decorations, while dogs could chew on electrical cords, posing fire risks. Broken ornaments can also cause injuries to curious pets.
• Holiday plants—Festive plants like poinsettias, mistletoe and holly can be toxic to pets if ingested. Ensure these plants are kept out of reach to prevent accidental poisoning.
• Food hazards—Holiday treats and leftovers can be harmful to pets. Chocolate, grapes, raisins and certain nuts can be toxic to dogs and cats. Additionally, bones from holiday meals can splinter and cause internal injuries.
• Guests and noise—The influx of visitors and loud celebrations can stress pets, leading to unusual behavior. Stressed pets might scratch or bite, potentially causing harm to guests.

Homeowners Insurance Coverage and Pets

Homeowners insurance can financially cover damage caused by pets, but limitations exist. For instance, insurance may not cover the damage if your dog chews on your furniture or your cat knocks over an expensive vase. However, if your pet causes damage to someone else’s property or injures a guest, your liability coverage may help pay for the damage or medical bills.

It’s crucial to review your policy and understand the specifics of your coverage. Certain insurance policies might not cover specific dog breeds or may include clauses about pet-related damage. It’s a good idea to consult with your insurance agent to confirm you have sufficient coverage and to explore any additional options that might be available.

Learn More

Contact JSW Insurance to review your insurance portfolio and ensure you are adequately protected.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.