When you have certain needs that require you to keep an emotional support animal, knowing that you have some type of insurance coverage in place that will cover them is helpful. So, does home insurance cover this type of animals?
Your homeowners insurance policy does provide coverage that extends to your emotional support animal. Much like any other animal in the home, this coverage protects you in case your animal is liable for any bodily harm or injury.
- Your homeowners insurance policy does extend coverage for your emotional support animal.
- In case your animal bites or injures somebody, your coverage will kick in.
- Filing a homeowners insurance claim because of an incident revolving around an emotional support animal can potentially increase your premium.
What coverage is offered to emotional support animals by homeowners insurance?
Libaility coverage is provided by your homeowners insurance policy when you live with an emotional support animal.
- In case your animal bites someone when they are in your home, this coverage will protect you by compensating the individual for their necessary medical bills. These medical bills can become costly, so having this liability coverage is important.
- If an individual tries to sue you because of an incident that happens with your emotional support animal at your home, the policy will also cover these instances. There could be legal fees that arise from this, so having coverage for this potential incident is very valuable.
- Emotional support animals are treated like any other animal in your home on your homeowners policy. They are seen as a higher risk from an insurer’s standpoint, even if they are not vicious.
When you have a well-behaved and trained emotional support animal, you might never anticipate an accident occurring where you will be held liable. It is important to know that your homeowners policy will cover these instances just in case they do happen.
What rights do you have when you live with an emotional support animal?
The Fair Housing Act is in place and can protect you if you have an emotional support animal. This act states that you and your animal both have rights where normal pets might typically be denied or excluded.
It states that you must be offered fair housing options, even when you are coming to live there with an emotional support animal. This animal is seen as a necessity to your life and will be treated accordingly.
As long as you have the proper documentation stating why you need your emotional support animal, you should not be denied housing opportunities. Your animal might assist you for either physical or mental reasons, and this can be proven with written confirmation from an appropriate medical professional.
Can a landlord deny an emotional support animal?
As long as you have the correct documentation, there should not be an instance where a landlord or property owner denies you the right to live there. Because of the Fair Housing Act, you and your emotional support animal are protected.
Knowing that this act is in place and homeowners and renters insurance provide coverage that extends to your emotional support animal, you should have no problem finding a place to live while still being protected by insurance coverage.
- It is important to disclose to your insurance company that you do have an emotional support animal. While they are treated as normal animals in the home, the insurer should still be made aware that an animal will be living there.
- Having a homeowners or a renters insurance policy with a lot of liability coverage is recommended when you have an emotional support animal. You can adjust this coverage while you are shopping for a homeowners insurance policy.
- If you are looking for insurance coverage for your emotional support animal, you need to seek out a separate policy that provides the coverage. This can be a pet insurance policy that will apply in case anything happens to your animal, not a homeowners insurance policy. The homeowners policy only covers the liability portion.
Your emotional support animal is very important to you, and knowing that you can have coverage through your homeowners insurance policy will provide you with extra security.
Summary
You never know what incidents could occur, so having this coverage in place just in case will protect you from any accidents or unexpected circumstances. You can adjust your homeowners liability coverage to your liking to make sure you have plenty of coverage in place that will apply to your emotional support animal.
