One good thing that has come from the COVID-19 pandemic is animal rescue shelters have seen a spike in dog adoptions. In a happy turn of events, “foster fails” account for many of these adoptions — when pets who were to be temporarily fostered are bonded with and become a long-term member of the family.
People are finding themselves spending more time at home with their dogs — all day, every day. However, one thing these pet owners may not have considered is: What happens when they return to work, and their dog is suddenly left alone at home for extended periods of time? People’s social lives will also return to normal, meaning their dog will suddenly be exposed to house guests and visitors for the first time. How will their dog behave in these new situations?
You may think your dog is predictable, but how sure are you they will be on their best behavior when they are confronted with new people, places and situations? Dogs are not always as predictable as people may think. If your dog happens to bite someone or damage another person’s property, do you know whether or not your homeowners insurance will cover the damage?
Here's an informative guide for dog owners about dog behavior and homeowners insurance: https://www.coverage.com/insurance/home/new-pet-owners-guide/
Here's additional information about whether pets are covered by homeowners insurance: