My cat has gone crazy lately .. always jumping on my shoulder when I walk in the door ... this latest time, he jumped me from behind, causing me to lose my balance and fall to the ground.
What if I say something else happened ... will my homeowners policy cover it?
They cover dog bites, right? So why not cat attacks?
2007-01-29 03:12:33 · 8 answers · asked by Reserved 6 in Business & Finance ➔ Insurance
LOL, that's too funny of a story!
Looks like all of the Insurance Adjusters have answered. They are right.
No medical coverage for you under your Homeowners policy.
Look on the bright side, if your cat tackles a friend, they would be covered for medical and possibly liability since you knew of a prior existing condition (-:
2007-01-29 13:23:49 · answer #1 · answered by jamferris 2 · 0⤊ 0⤋
They cover dog bits or cat attacks to people that AREN'T living in your house, and AREN'T the named insured on the policy.
They cover these under LIABILITY section, which means, you can be SUED for the damage caused by your animal. Most of the time, you have to put your animal to SLEEP.
Also, you can't SUE YOURSELF, therefore, you can't collect under a liabiltiy portion. Sorry, that's just the way it works. Liability never pays the insured - only the third party.
2007-01-29 12:38:54 · answer #2 · answered by Anonymous 7 · 0⤊ 0⤋
Your homeowners won't cover it but your health insurance will. By the way get rid of the cat why would you keep a dangerous critter like that around?
2007-01-29 14:51:37 · answer #3 · answered by Tunka 2 · 0⤊ 0⤋
If you file against your homeowners (or anyone does for that matter) they will more then likely pay the claim and then they will cancel you and you will have a horrible time trying to get re-insured and you will pay much higher for the same insurance. If you can't get re-insured (which is possible, depending on your last claim amount circumstances etc.) your bank will for close on your mortgage for failing to insure their investment which was part of the mortgage deal you signed when you got the house. So you either pay for your own loss now, or through the insurance premiums it's too much aggravation suck it up and deal with it...trust me on this one.
2007-01-29 03:19:20 · answer #4 · answered by yawhosucs 2 · 0⤊ 2⤋
That must be one he** of a cat ! You would have to read your insurance policy but I sort of doubt it. If it was a neighbor or something maybe. I think I would get rid of that cat !!!
2007-01-29 03:20:19 · answer #5 · answered by tooldaddy2003 5 · 0⤊ 0⤋
Your home insurance does not cover injury to yourself. If you read the exclusions, it will exclude the insured, a spouse or child of the insured. it's mean to cover negligence to someone who's on your property but not belonging to your family.
2007-01-29 04:19:13 · answer #6 · answered by angel09 2 · 2⤊ 0⤋
Angel09 is correct.
HO policies does not cover injury to yourself (the insured) that is what your health insurance is for.
2007-01-29 06:21:32 · answer #7 · answered by mamatohaley+1 4 · 1⤊ 0⤋
Your policy does not cover you for things like this. If
I were at your house and it happened to me there would be coverage for me but not for you.
2007-01-29 04:39:31 · answer #8 · answered by blb 5 · 1⤊ 0⤋