Does Your Policy Cover Damage from Bears?
Mother nature is known for her beauty and, unfortunately, her destructive powers. Find out if you are covered.
Q. My wife’s coworker bought a new, very expensive grill that was destroyed by a black bear after a recent cookout. We have bears in our backyard too, which makes me wonder: Would my grill be covered if a bear destroyed it?
A. You’ve just given new meaning to the term “crashing the party.” Most home, condo or renters policies cover personal property, like a backyard grill, but for loss caused by named perils. Unfortunately, loss from animals is not one of them. However, if a bear damages your house or shed, then that loss is covered. If you have Platinum or GrandProtect® insurance, go ahead and send out invitations for your next get-together because we would pay for a replacement grill destroyed by a bear. But animal lovers take note: Your insurance won’t cover damage caused by animals owned or kept by you or a person who regularly resides at your house.