Does Homeowners Insurance Cover Pet Damage

Does Homeowners Insurance Cover Pet Damage

Does Homeowners Insurance Cover Pet Damage

Pets are cherished members of our families, but they can sometimes cause accidental damage to our homes. Whether it's a curious puppy chewing on furniture or a cat knocking over a valuable vase, pet-related incidents can result in unexpected repair costs. This leads many homeowners to wonder: does homeowners insurance cover pet damage?

Damages to Your Home

In most cases, homeowners insurance does not cover damage caused by your pets. Standard homeowners insurance policies typically exclude coverage for damage caused by animals you own or care for, including pets like dogs, cats, birds, and exotic animals. This means that if your pet damages your property or belongings, you'll likely be responsible for covering the repair or replacement costs out of pocket.

Damages to Your Home

Damage to Someone Else's Home

However, there are some exceptions to this rule. If your pet causes damage to someone else's property or injures someone, your homeowners insurance liability coverage may provide protection. For example, if your dog escapes from your yard and bites a neighbor or damages their property, your liability coverage may help cover their medical bills or property repair costs, up to the limits of your policy.

Policy Endorsements

Additionally, some homeowners insurance policies offer optional endorsements or add-ons that provide coverage for pet-related damage. These endorsements may cover specific types of damage caused by pets, such as chewed furniture or scratched floors. However, it's essential to review your policy carefully and speak with your insurance agent to understand what types of pet damage are covered and any limitations or exclusions that may apply.

Policy Endorsements

Proactive Measures

To protect yourself from potential financial losses due to pet-related damage, consider taking proactive measures. Invest in training and obedience classes to help prevent destructive behaviors in your pets. Use pet gates, crates, or secure outdoor enclosures to limit your pet's access to areas where they could cause damage. And if you're concerned about potential liability issues, consider purchasing additional liability coverage or an umbrella insurance policy for extra protection.

In conclusion, homeowners insurance typically does not cover damage caused by your pets. While liability coverage may help if your pet injures someone or damages their property, it's essential to review your policy and consider optional endorsements for additional coverage. Taking preventive measures and being prepared can help you avoid unexpected expenses and protect your home and finances from pet-related incidents.

Dog Bite Liability

Dog Bite Liability

Dog Bite Liability

As a local insurance agent, it is important to understand the liability associated with dog bites. According to the Insurance Information Institute (III), there are around 4.5 million dog bites in the United States each year, and the average liability insurance claim for dog bites is $17,5971. This is why it is crucial for dog owners to have the right insurance coverage to manage the expenses.

Restrictions to Coverage

Homeowners insurance policies usually cover dog bite liability, but it is important to understand the coverage restrictions and when dog bites are covered. The Insurance Information Institute (III) recommends that dog owners should be responsible and take measures to prevent dog bites, such as training their dogs and keeping them on a leash.

Dog Owner's Responsibility

What If You Get Bit?

In the event of a dog bite incident, it is important to take immediate action. The victim should seek medical attention, and the dog owner should provide their contact information and insurance details. The dog owner should also report the incident to their insurance company as soon as possible.

Education is Important

As a local insurance agent, it is important to educate dog owners about the risks associated with dog bites and the importance of having the right insurance coverage. It is also important to provide guidance on how to be a responsible dog owner and prevent dog bites from happening in the first place.


Risks of Dog Bites

In conclusion, dog bite liability is a serious issue that requires attention from both dog owners and insurance agents. Contact your Intelli Choice agent to take the necessary precautions. By having the right insurance coverage, dog owners can protect themselves and their pets from the financial consequences of a dog bite incident.

Can I Get Insurance After I Get in an Accident

Can I Get Insurance After I Get in an Accident

Can I Get Insurance After I Get in an Accident

Getting into a car accident can be a frightening and stressful experience, but it's important to remember that you are not alone. Many people have been in accidents before and have had to navigate the insurance process afterwards. If you're wondering whether you can get insurance after an accident, the answer is yes, you can, but it won't cover your accident.

Different Types of Insurance

First, it's important to understand the different types of insurance that are available. Liability insurance is the type of insurance that covers the cost of damages or injuries to other people or their property if you're at fault in an accident. Collision insurance covers the cost of damages to your own vehicle in an accident, regardless of who is at fault. Comprehensive insurance covers non-accident related damages to your vehicle, such as theft or weather damage.

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If you already have insurance, your policy may include liability, collision, or comprehensive coverage. If you were at fault in the accident, your liability insurance will cover the cost of damages to the other person's vehicle or property. If you have collision insurance, it will cover the cost of damages to your own vehicle, minus your deductible. If you have comprehensive insurance, it may cover the cost of damages to your vehicle if they were caused by something other than an accident.

Purchasing Insurance After an Accident

If you don't have insurance, you may be able to purchase a policy after the accident, but it may be more expensive than if you had purchased it before the accident. Insurance companies view people who have been in accidents as higher-risk customers, so they may charge higher premiums or require you to pay a higher deductible.

High Insurance Premiums

It's important to note that insurance companies have different policies and procedures when it comes to accidents, so it's a good idea to contact your insurance company as soon as possible after an accident to find out what your options are. They can walk you through the claims process and help you understand your coverage and any costs you may be responsible for.

In the end, while getting into a car accident can be a scary experience, it's important to know that you have options when it comes to insurance coverage. With the right coverage and support from your insurance company, you can get back on the road and move past the accident with peace of mind.

Insurance Claims A Guide to Filing

Navigating the Path to Successful Insurance Claims: A Guide to Filing with Confidence

Insurance Claims A Guide to Filing

As a Dave Ramsey trusted provider, Intelli Choice Insurance is committed to providing valuable, expert advice to our customers. Today, we'll walk you through the process of filing an insurance claim, whether you're dealing with homeowners or auto insurance, and events such as floods or auto accidents. We'll cover everything from gathering the necessary information to receiving your payout.

Be Prepared: Gather and Store Important Information

Before an emergency strikes, it's important to have all the necessary information ready. Here's a checklist of what you should gather and store:

Insurance policy numbers and documents
Insurance company contact information
Emergency contacts (e.g., medical, legal, or financial professionals)
Digital copies of essential documents (e.g., birth certificates, property deeds, or vehicle titles)

Keep both physical and digital copies of these documents in a secure place, such as a fireproof safe or encrypted cloud storage.

Important information for insurance claims

Initiating the Claim Process: Where to Start

When you need to file a claim, your first step should be contacting your insurance agent or carrier. They will guide you through the process and help determine the type of claim you need to file.
If you're dealing with a natural disaster or widespread event, be prepared for higher call volumes and potential wait times. In this case, it might be helpful to review your policy documents and prepare any necessary information in advance.

Timing Matters: When to File a Claim

Most insurance policies require you to file a claim as soon as reasonably possible after an incident. Delaying the claim process could result in the denial of coverage or reduced payouts.
Keep in mind that each state has specific deadlines for filing insurance claims, which may vary depending on the type of coverage and event. Consult with your insurance agent or carrier for guidance on filing deadlines.

When to File a Claim

The Essentials: What Information You'll Need

To ensure a smooth claims process, gather the following information:

Your policy number and insurance information
A detailed description of the incident, including date, time, and location
Photos or videos of the damage, if applicable
Witness statements, if available
Repair estimates, if applicable
Police or incident reports, if applicable

Receiving Your Payout: How Soon Will You Get Paid?

The timeline for receiving your insurance payout varies depending on the type of claim, your insurer, and the complexity of the incident. Most insurance companies aim to resolve claims promptly, often within 30 days of filing.
In some cases, such as natural disasters or widespread events, the claims process may take longer due to the volume of claims being processed. Stay in touch with your insurance agent or carrier for updates on the status of your claim.

How Soon Will You Get Paid from an Insurance Claim

By following these guidelines and partnering with a trusted insurance provider like Intelli Choice Insurance, you can confidently navigate the insurance claim process. No matter what life throws your way, rest assured that we're here to help protect your most valuable assets.
Don't hesitate to contact us today for assistance with the claim process. Our team of knowledgeable experts is ready to support you every step of the way.

Homeowners Insurance May Not Cover You in the Case of Flooding

Homeowner’s Insurance May Not Cover You In The Case of Floods

Homeowners Insurance May Not Cover You in the Case of Flooding

Homeowner's insurance is a great way to cover your property in case of disasters like theft, fire, and hail. However, floods in the United States cumulatively cause billions of dollars of damage per year, and yet they are almost never covered by standard homeowner's policies. If you live in an area prone to flooding you may be taking an unnecessary risk by passing up flood insurance, which can not only protect the value of your home but your possessions inside as well. If you are planning to buy a home in a potential flood zone as designated by FEMA, your lender may even require that you maintain active flood insurance.


Many areas of Cincinnati are particularly vulnerable to flooding due to their low-lying landscape and proximity to bodies of water such as the Little Miami River. During extreme weather events, these areas can quickly become overwhelmed and massive damage can result.

Flooding may not be covered


Snow melt-offs can be particularly devastating and can trigger flash floods; the Ohio River has a documented history of reaching flood levels over the first half of the year. If the temperature rises too quickly following a heavy snowfall, a rapid thawing process can result in quickly rising streams and rivers. This is especially true in areas with high elevation, as the melting snow has nowhere else to go but downstream. If the precipitation continues in the form of rain following the melt-off, this can exacerbate the problem and catastrophic flooding conditions can ensue. Additionally, run-off from urban streets and other impermeable surfaces can feed into bodies of water, causing them to overflow their banks even more quickly.


Flooding can cause massive damage to not only your possessions but also the support system and infrastructure of your home. Intelli Choice Insurance is in the business of providing peace of mind that you will be covered whenever disaster strikes.

As a Dave Ramsey endorsed provider, our processes and service have been reviewed to ensure that they are worthy of this recommendation and carry a client-centered mentality. Please feel free to reach out for a quote and to ask any questions about how we can best cover you.

Common Holiday Insurance Claims

Common Holiday Insurance Claims

Common Holiday Insurance Claims

As an insurance agent, I have seen many holiday insurance claims over the years. While going on holiday is supposed to be a time of relaxation and enjoyment, accidents and incidents can happen, and it's important to have the right insurance coverage to protect yourself and your belongings. Here are some of the most common holiday insurance claims that I have come across:

Medical Emergencies

This is by far the most common holiday insurance claim. Medical emergencies can happen anytime, anywhere, and can be costly without the right coverage. Travel insurance typically covers medical expenses, including doctor visits, hospital stays, and emergency transportation, so it's important to make sure you have adequate coverage before you travel.

Travel Insurance for Medical Emergencies

Trip Cancellation

Sometimes unforeseen circumstances may arise that can cause you to cancel your holiday plans. This could be due to a family emergency, illness, or other unexpected events. Trip cancellation coverage can help you recoup your expenses if you need to cancel your trip due to a covered reason.

Lost or Stolen Luggage

Another common claim is lost or stolen luggage. This can be a frustrating experience, especially if you lose valuable items. Most travel insurance policies provide coverage for lost or stolen luggage, which can help you replace your belongings.

Travel Insurance for Lost or Stolen Luggage

Flight Delays and Cancellations

Flight delays and cancellations can cause a lot of stress and inconvenience, especially if you have connecting flights or important events to attend. With travel insurance, you can get compensation for additional expenses, such as meals and accommodation, if your flight is delayed or canceled.

Rental Car Accidents

If you plan to rent a car during your holiday, it's important to have insurance coverage. Rental car accidents can be costly, and without insurance, you may be responsible for paying for damages out of pocket.

Rental Car Accidents

In conclusion, holiday insurance is an essential investment for any traveler. While you can't always prevent accidents or incidents from happening, you can protect yourself and your belongings with the right coverage. By understanding the most common holiday insurance claims and ensuring you have adequate coverage, you can enjoy your holiday with peace of mind.

Surprising Things Insurance Will Not Cover

Surprising Things Insurance Will Not Cover

Surprising Things Insurance Will Not Cover

Insurance is a type of contract that provides financial protection to the policyholder against future uncertainties. It is designed to help individuals and businesses manage risks and minimize potential financial losses. However, there are some surprising things that insurance may not cover, which individuals should be aware of to avoid being caught off guard.

Intentional Acts

One of the surprising things that insurance may not cover is intentional acts. Insurance policies typically cover accidental damage or loss, but they do not cover intentional acts. For instance, if you deliberately damage your own property or cause harm to another person or their property, your insurance policy may not provide coverage.

Intentional Acts are not covered by insurance

Natural Disasters

Another thing that insurance may not cover is certain types of natural disasters. While most insurance policies cover natural disasters like hurricanes, earthquakes, and floods, there are some events that may not be covered. For instance, some policies do not cover damage caused by landslides, sinkholes, or volcanic eruptions.

Pests or Insects

Insurance may also not cover damages caused by pests or insects. If your home is infested with termites or rodents, your insurance policy may not cover the damage caused by these pests. This is because insurance policies typically do not cover damages caused by wear and tear or neglect.

pests or insects are not covered by insurance


Additionally, insurance may not cover damages caused by cybercrime. If your personal or business information is stolen or hacked, your insurance policy may not cover the resulting financial losses. While some insurance companies offer cyber insurance policies, they may not cover all types of cybercrime.

Damage Caused by Recreational Vehicles

Lastly, insurance may not cover damages caused by certain types of vehicles. If you own a recreational vehicle or a high-performance sports car, your insurance policy may not cover damages caused by these vehicles. This is because these vehicles are considered high-risk and may require additional coverage.

In conclusion, insurance is an essential tool to manage risks and protect against financial losses. However, it is important to understand what insurance policies cover and what they do not. Knowing what insurance may not cover can help individuals and businesses make informed decisions about their insurance needs and take appropriate measures to minimize potential financial losses.

3 Surprising Things Insurance Can Cover

3 Surprising Things Insurance Can Cover

3 Surprising Things Insurance Can Cover

The Unusual Trio: 3 Surprising Things Insurance Can Cover

When it comes to insurance, many people think about the standard types such as life, auto, and health. However, insurance policies can cover a wide array of unique and unexpected situations.

Here are three surprising things that some insurance policies cover, which showcase the versatility of the industry and might inspire you to look more closely at your insurance options.

Alien Abduction Insurance

Believe it or not, some insurers offer coverage for alien abductions. This unusual policy was first introduced in the 1980s and has gained traction over the years, primarily as a novelty item. Policyholders who can provide proof of their extraterrestrial experience, such as an implant or eyewitness accounts, may receive compensation. While the likelihood of needing this type of coverage is extremely low, it highlights the creativity and variety in the insurance market.

Alien Abduction Insurance Coverage

Food Spoilage Coverage

No one likes to see their groceries go to waste, but did you know that some insurance policies will cover the cost of spoiled food? In cases where a power outage or appliance failure leads to food spoilage, specific home insurance policies may cover the costs of the lost groceries. This unique coverage is a prime example of the many additional benefits that can be found in various insurance policies, beyond the standard protections.

Volcanic Eruption Coverage

While most people don't live near an active volcano, those who do may find themselves with the unique option of volcanic eruption coverage. This specific coverage can protect against damages caused by lava flows, ash, and other volcanic hazards. While it's a highly specialized form of coverage, it demonstrates the importance of tailoring insurance policies to address unique risks in specific geographic locations.

Volcanic Eruption Coverage

Unconventional Insurance Coverage Options: Protecting Against the Unexpected with Intelli Choice Insurance

These examples of surprising coverage options highlight the diversity of the insurance industry and emphasize the need for potential policyholders to fully explore their options. As a Dave Ramsey Trusted Provider, Intelli Choice Insurance is committed to helping customers find the best rates and coverage for their unique situations.

Contact us today to discover the perfect insurance policy for your needs, whether you're looking for protection against alien abductions, spoiled groceries, or something more conventional. Visit our website  and explore our blog for more helpful tips and information.

Does My Insurance Policy Cover Floods

Does My Insurance Policy Cover Floods? Get the Facts on Floods Insurance Coverage

Does My Insurance Policy Cover Floods

Flood insurance policies protect homeowners, renters, and businesses from damages and property losses caused by natural floods. If, for example, your hot water heater goes out and floods your basement, flood insurance would not cover the damages but your homeowner's policy might. If heavy rain causes a river to rise and flood your home, flood insurance will cover it, but your homeowner's policy will not.

Importance of Flood Insurance

Flood insurance minimizes socio-economic flood impacts, especially in areas prone to flooding. Even living in areas with a low risk of flooding, it is still worth considering purchasing a policy to protect yourself and your property from potential damages.
Here are some key reasons why you have flood insurance:
It helps cover the costs of repairing or rebuilding damaged properties when a home or a business
It provides financial protection for your home, business, and property in case of floods
It covers the cost of temporary living arrangements if your home is uninhabitable after floods
It covers the cost of cleaning up debris and other damages caused by floods.
It also provides peace of mind knowing that you're financially protected against the potential devastation of a flood

Importance of Flood Insurance

Obtaining Flood Insurance

Flood insurance is not typically included as part of residential insurance or standard insurance policy. Flood insurance is a separate policy and requires a separate purchase. Depending on the coverage you choose, your flood insurance can cover a variety of damage, including but not limited to:
The physical structure of your home or business
Electrical and plumbing systems
Built-in appliance
Personal property such as furniture, clothing, electronic equipment, stock, and inventory
The cost of flood insurance depends on factors such as the amount of coverage you purchase, the location of your home or business, and any additional riders you opt for. To get the full protection of your policy, you must purchase it before any flooding occurs. Our experienced agents can help you assess your unique needs and provide a policy that fits your budget and coverage requirements.

Do I Need Flood Insurance?

People in Ohio, Kentucky and Indiana need flood insurance because the region is particularly prone to flooding due to the Ohio River. Floods can cause devastating property damage, and homeowners must be prepared with flood insurance coverage to protect their homes and possessions. With the proper insurance coverage, people in Greater Cincinnati can get the help they need should a flood occur. Intelli Choice Insurance offers flood insurance policies to give property owners along the Ohio River peace of mind and financial security in case of flooding.

Do I need flood insurance

Get the Knowledge! Take Action to Be Covered

If you're looking for flood insurance coverage, Intelli Choice Insurance offers policies tailored to your specific needs. Contact us today for professional assistance and personalized insurance policies from our experienced experts.

Will My Homeowner's Insurance Cover My Claim

Will my homeowner’s insurance cover my claim?

Will My Homeowner's Insurance Cover My Claim
The cost to rebuild your home is its replacement value. This can be very different from the estimated market value or actual purchase price. In most cases, it costs more to rebuild the home you own than to buy a new one.


How much home insurance is enough?

Intelli Choice Insurance understands the Northern Kentucky & Cincinnati home insurance needs of our customers. We’ll work with you to estimate the replacement cost for your home and to adjust your policy limits from time to time as needed.
It is critical that you provide us with accurate, updated information about your home and contents. If your dwelling limit accurately reflects your home’s true replacement cost, some companies will pay more than the limit if a covered loss is greater than the limit on your policy.
Once a review of your home and possessions indicates you are properly insured, it’s a good idea to reexamine your coverages and limits from time to time, especially whenever you make additions or improvements. Intelli Choice Insurance can help you re-evaluate your Northern Kentucky & Cincinnati home insurance needs. Just call and speak with one of our agents.



Be Sure You Have Enough Home Insurance Coverage

Here are some steps you can take to reduce the danger of being seriously underinsured:
  1. Call Intelli Choice Insurance - If you have questions or concerns about the limits in your policy, ask us to show you how those amounts were calculated. This will also give you an opportunity to make us aware of any overlooked information.
  2. Read your policy - Certain property, such as jewelry, and certain perils, such as earthquake or flood, is better insured separately. Knowing what is covered and for how much will help you insure properly. If there is anything in your policy you don’t understand, contact us and ask for an explanation.
  3. Review - At each annual renewal of your policy, you receive a new Policy Declarations page showing limits of coverage and optional coverages. Review this information. If you do any significant remodeling or add a family room, extra bedroom or bathroom, etc., tell us about these changes so your coverage limits can be adjusted to cover the improvement.
  4. Consider carefully whether your policy provides all the protection you need.
  5. Does it provide coverage for extra costs resulting from building code changes?
  6. Does it automatically increase coverage limits annually to keep pace with inflation?
  7. Does it provide additional funds if the cost of rebuilding your home exceeds the policy limits?
Make sure you know:
  1. Will your insurance company stand behind agreed upon repairs after a claim? Some companies are willing to put this guarantee in writing.
  2. Does your policy include replacement cost coverage for contents (clothing, furniture, appliances, and other personal property inside your home)? If not, you can add it by endorsement. The cost is small, but the protection valuable. Replacement Cost Coverage pays for losses to your possessions at the cost of brand new items. Without this option, a covered loss to your personal possessions would be depreciated by their age and condition, reducing the size of your claim settlement.
If you have an art collection, antique furniture, jewelry, or other valuable possessions, ask Intelli Choice Insurance about supplemental coverages, such as fine arts or scheduled property endorsements, to adequately protect your investment in these items. The cost is modest for the extra protection, and often the deductible is waived.
Consider whether you should have more coverage for personal property (contents) than your policy provides. Personal property coverage is usually 70% of the coverage limit for the structure. Your limit may be lower than 70%. Supplemental protection is available for a small additional premium.


Inventory your home
Prepare an inventory of personal property items , update it periodically, and keep it in a safe place outside your home, such as a safe deposit box at your bank. It will save you hours of time trying to list everything damaged or destroyed if you need to make a claim. It will also help ensure you don’t forget some items. We can advise you on ways to simplify the job of preparing a personal property inventory such as videotaping each room with descriptive information on the sound track.


Personal Liability
Besides making sure you have enough protection to cover possible damage to your own home and contents, you should also evaluate your exposure to liability risks. These result from damage to the property of another, or injury to a person, not a member of your household, for which you can be responsible.
In recent years it’s become common for homeowners to be sued for injuries or damages to others, even when there is no evidence of negligence by the homeowner. The reality today is if you have any appreciable assets, you are exposed to the risk of being sued. Even if you ultimately prevail in court, your legal fees and the months or years of worry and uncertainty can be a terrible burden on you and your family.
The Personal Liability coverage provided by your Homeowners Policy usually provides a limit of $100,000 or $300,000. We recommend increasing this protection with a personal umbrella policy. Not only will it increase your personal liability, but also your auto liability. Limits are available from $1 million to $10 million and beyond. The cost of this coverage is usually very reasonable.
Keep in mind that Kentucky requires certain minimum levels of coverage. The right coverage for you is unique – talk to Intelli Choice Insurance today to find out how to get the best price and value on home insurance for you.