Before you need it
Before You Need It: The What-If House
Walk through a fictional house and find the questions worth asking a licensed agent.
Attic
Cute visitor. Unexpected damage.
Select a detail in the scene to read what it raises.
One useful distinction
An exclusion is policy wording that removes coverage for certain situations. Do not assume every animal-related event is treated the same way. Check the wording and the exceptions, or ask.
Questions you may want to ask your licensed agent
- How does my policy address damage caused by squirrels or mice?
- How are animal removal, cleanup, insulation damage, and wiring repairs addressed?
- Where are the relevant exclusions and exceptions in my policy?
That explains the situation. What does your policy say?
A CoverageDecoder report takes your answers, and your policy if you upload it, and explains, without the insurance jargon, what it addresses, what it limits, what it leaves out, and what you pay first. Your questions for the agent come written, with an email ready to send.
Works for homeowners, renters, condo and townhouse owners, and first-time buyers. No policy yet? The report works from your answers alone.
Source for review: Progressive, Does homeowners insurance cover animal damage? https://www.progressive.com/answers/home-insurance-animal-damage/ (link opens in a new tab). Sources are for review and general education.
CoverageDecoder is educational only. It does not sell insurance and does not give advice about your specific policy. Your actual policy and a licensed agent control any decision.