Have you ever thought about your liability if your bird took a bite of a houseguest’s arm? What about the chewed window frames in your rented apartment? Is there such a thing as pet life insurance? Do you assume that your bird is insured against theft under your homeowner’s policy? Navigating the insurance maze can be tricky, but if you know where to look and read the fine print, you’ll come out with some answers and solutions.

Homeowner’s Insurance
According to Richard Decker of the Manjarrez-Decker Allstate Agency in Farmingville, New York, homeowners’ and renters’ insurance policies typically do not cover damage to property caused by pets. This includes damage to rental units. “There are specific exclusions that say damage from animals is not covered,” explained Decker.

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