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A Bear crashes through your window… Are you covered?

 bear crashes

Answer: Yes, If a bear crashes through your window, your Homeowners policy will cover it, subject to your policy deductible.

But what if the bear crashes through the window and then comes in the house and damages your contents and personal property?  Under the standard Homeowners policy there would not be coverage, but if your policy includes “special personal property coverage”, you’re all set!

Animal damages not covered by home insurance.

Animals owned or kept by an insured are not covered by home insurance as well as vermin, rodents, insects and birds.  Descriptions below:

  • ver·min
  1. Various small animals or insects, such as rats or cockroaches, that are destructive, annoying, or injurious to health.
  2. Animals that prey on game, such as foxes or weasels.
  • ro·dent n.
  1. Any of various mammals of the order Rodentia, such as a mouse, rat, squirrel, or beaver, characterized by large incisors adapted for gnawing or nibbling.
  • in·sect
  1. Any of numerous usually small arthropod animals of the class Insecta, having an adult stage characterized by three pairs of legs and a body segmented into head, thorax, and abdomen and usually having two pairs of wings. Insects include the flies, crickets, mosquitoes, beetles, butterflies, and bees.
  2. Any of various similar arthropod animals, such as spiders, centipedes, or ticks.
  • bird
  1. Any of various warm-blooded, egg-laying, feathered vertebrates of the class Aves, having forelimbs modified to form wings.
  2. Such an animal hunted as game.
  3. Such an animal, especially a chicken or turkey, used as food


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