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Your Home Insurance Policy May Lack Critter Damage Coverage

One of the biggest purchases most people will make in their lifetime is their house. Given the nature of such a major investment, making sure the home is properly covered by insurance is essential and mandatory. While there are base home insurance policies that satisfy most mortgage lenders, these policies often have holes that do not always provide enough coverage, particularly for rodent, squirrel, and other critter damage to the home and property utility poles and lines.

Even if your homeowner's insurance policy does offer coverage related to critter damage, Critter Guard can help prevent the little rascals from even gaining access to your home in the first place, and probably for much less money than you would pay for insurance. Our guards are a smart investment, even saving your thousands in potential repair costs.

front of two-story house with white picket fence surrounded by falling leaves from trees in autumn

Critter Insurance Protection

When looking to build your home insurance policy, one type of coverage you need to make sure to include is critter insurance protection. Critters, such as squirrels and other small animals, can cause a surprising amount of damage to a home. If not protected against and unattended, they could very easily dig a hole into your roof, siding, or other valuable part of your home. 

Critter damage could end up costing thousands of dollars in repairs and is often not covered by most base home insurance policies. Make sure you have proper coverage in place when building and renewing a policy with your insurance broker.

Protective Measures

While having a more thorough home insurance policy can help to provide you with financial protection in the event of critter damage, preventative measures can also be taken to block critter access and damage in your home. Since many critters get to roofs by climbing power poles and utility lines, make sure your power company has proper protection in place. Critter Guard’s Line Guard and Pole Guard can do that and can be easily installed. These products prevent critters from moving closer to your home. Also, if you have tall trees nearby, trim branches near your roof to remove other access routes to the jumping, climbing little animals.

If you are a homeowner, insuring your property only protects it financially after damage has been done. Even with most policies, critter damage isn’t covered. Contact us to learn more about how you can take active, preventative measures to protect your house and roof from pesky squirrels and rodents from accessing your home. 

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