Does Home Insurance Extend to Doghouses?

Your dog is a beloved member of your family, and their doghouse is like a home of its own. However, you may be wondering whether your home insurance policy covers doghouses. Vance Insurance Group LLC, serving Oklahoma City, OK, is here to help you better understand your home insurance coverage.

Home Insurance and Pets

Generally, home insurance may cover animal bites that occur on your property. However, if you fail to disclose details about your pet to your home insurance provider, coverage might not apply.

Home insurance policies do not automatically cover doghouses. A doghouse is not considered part of the main dwelling used by humans, and the policyholder is you, not your pet.

Does the Location of the Doghouse Matter?

Some might argue that the doghouse is on the premises and should be covered. However, because doghouses are typically not attached to the main home, they are often treated as detached structures, such as garages or pool sheds, which may not be covered under standard home insurance policies.

Contact Your Insurer for Clarification

If your home insurance policy does not explicitly mention doghouses, it’s a good idea to reach out to your insurer for clarification. They can confirm whether your doghouse in Oklahoma City, OK, is covered by your policy.

Additionally, notify your insurer of any changes to your pet situation, such as building a doghouse on your property. This ensures your policy is up to date and provides clarity regarding coverage.

Keep in mind that filing a claim for a doghouse may involve paying a deductible. If the deductible exceeds the value of the doghouse, filing a claim may not be financially worthwhile.

What About Damage from Insects?

Most home insurance policies include specific language about coverage for damage caused by termites, carpenter bees, and other pests. If such nuisances damage your doghouse, coverage may not apply.

Get Your Customized Quote Today

If you’re shopping for home insurance, contact Vance Insurance Group LLC at 405-293-6475. We’ll provide personalized coverage information and create a customized quote tailored to your needs.