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A homeowners insurance policy may cover the physical damage a wild animal causes to your home or other structures on your property, but it usually does not cover animal damage to your personal property.
Does homeowners insurance cover raccoon damage?
If a raccoon causes damage to your garage or attic, homeowners insurance might assist with the cost of fixing the building. However, most of the time, damage to things you’ve kept in the attic or garage won’t be covered.
Therefore, in the event that a raccoon damages a wall, your homeowners insurance policy might assist with the cost of replacing new drywall. However, if the animal gnaws through the wiring on your lawnmower, it’s unlikely that your policy will cover the expense of having it fixed or replaced.
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FAQ
What should you not say to homeowners insurance?
Is a bird flying into a window covered by insurance?
What damage is not covered by homeowners insurance?
Does homeowners insurance cover damage from woodpeckers?