Does Your Policy Cover Damage from Wildlife?
Mother Nature is known for her beauty and, unfortunately, her destructive powers. Find out if you’re covered.
Q. My wife’s coworker bought a new, very expensive grill that a black bear destroyed after a recent cookout. We have bears in our backyard too, which makes me wonder: Would my grill be covered if a bear destroyed it?
A. You’ve just given new meaning to the term “crashing the party.” Most homeowners, condo or renters policies cover personal property, such as a backyard grill, but only for loss caused by named perils. Unfortunately, loss from animals is not one of them. However, if a bear damages your house or shed, that loss is covered.
If you have Platinum or GrandProtect® insurance, we pay to replace a grill destroyed by a bear. But animal lovers take note: Your insurance doesn’t cover damage caused by animals owned or kept by you or a person who regularly resides at your house.