Damage to your house, or other covered structures like a shed or detached garage, by rodents or rabbits (or squirrels, mice, rats, etc.) is not covered by your homeowners insurance. If you’re like me and have an attic, you probably discovered a few enterprising squirrels decided to gnaw a hole in the side of your siding or wood and make themselves a nice little home. Unfortunately, that damage isn’t covered by your typical homeowner’s policy (it’s unlikely you can get coverage but never say never).
That being said, the damage is usually going to be low in cost so it would fall within your deductible anyway so paying extra to get covered for that would be a waste of money in my opinion.
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Most HO policy forms (ISO) exclude damage caused by rodents, but do not exclude damage caused by mammals. In the example you provided, damage from rabbits would not fall under the rodent exclusion, though squirrels, rats, and mice would. A common culprit – racoons – are also not excluded. Beware of claims adjustors who can get ‘confused’ re: what kind of animal qualifies under this exclusion. Regards
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