Life in Poteau, OK, is more exciting when you have a great pet. That might be a biased opinion, but if you have fur babies, you understand. What might not be so clear is what to do about insuring your pets. In particular, home insurance is designed to at least partially cover pets, but you need to know the ins and outs to get the most from that coverage. These are the two most important facts observed by Shore Insurance Agency.

It’s About Liability

When pets are covered (more on that in a moment), it is usually to provide you liability. If your pet destroys someone’s property or causes an injury, that’s when the insurance is intended to help. Home insurance will pretty much never cover damage the pet causes to you or your property. That’s not the intent. Likewise, home insurance is not going to help you with pet care or veterinary bills. If you want insurance designed to protect your pet, you’ll have to look into more specific policies.

Coverage Will Vary

Home insurance may focus on liability, but that’s still useful. If you get a proper guard dog, you don’t want to be on the hook when he does his job. With all of that in mind, pet coverage varies widely. While the principle of providing liability protection is fairly universal, the cost and application of that protection will depend on your pet. To put it in context, your new Shih Tzu is going to be easier and cheaper to insure than your pet cobra, regardless of which one is actually more likely to bite someone.

Well, Poteau, OK, is a strange place to keep a cobra, anyway. If you want invaluable advice on making sure you have coverage for your pets, have a chat with a representative from Shore Insurance Agency. A little bit of expert knowledge can go a long way to keeping you protected.