As the owner, you are presumed to be the guardian, and therefore responsible if your pet causes damage. Your animal, be it a dog or a cat, is in principle covered by your multi-risk home insurance. It is still recommended to inform your insurer of the existence of your animal and also to specify the race.
When are you covered by this home insurance? Every once the animal is in your care. For example, if you have entrusted your animal to a third party for several days, the animal is no longer considered in your custody. In this case, it will be necessary to ensure that the person to whom you have entrusted your animal has declared the presence of it with his home insurance.
Who is covered by this home insurance? The thirds. This therefore applies to all persons outside the family. Neither you, nor your children, nor any member of your family will be covered. If your dog injures your child or damages your sofa, home insurance will not cover the damage. All material and bodily damage caused by your animal is covered.
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