From colorful macaws to miniature pigs and exotic reptiles, more homeowners are welcoming non-traditional pets into their households. But before you add a kinkajou or sugar glider to your family, it’s important to ask: How does this affect your homeowners insurance?
If you live in Colorado and own—or are considering owning—an exotic animal, here’s what you need to know about potential insurance implications and how to protect your home, liability, and peace of mind.
🐾 What Counts as an Exotic Animal?
There’s no universal definition, but most insurance companies consider animals outside the typical realm of cats, dogs, birds, and small caged pets (like hamsters) to be exotic. This can include:
- Reptiles (e.g., snakes, lizards)
- Wild animals (e.g., raccoons, monkeys, foxes)
- Farm animals in residential settings (e.g., pygmy goats, potbellied pigs)
- Large or uncommon birds (e.g., macaws, toucans)
In Colorado, some of these animals may also be regulated or restricted under state or local laws.
⚠️ Why Exotic Pets Can Be a Coverage Issue
Most standard homeowners insurance policies include liability coverage for bodily injury or property damage caused by pets—but there are limits.
- Many carriers exclude exotic animals from liability coverage altogether.
- If your exotic pet injures someone, your insurance may deny the claim—leaving you personally responsible for legal or medical costs.
- Certain animals may even jeopardize your ability to get or keep coverage with some insurers.
Some exotic animals are classified as high-risk, whether due to bite risk, zoonotic disease potential, or unpredictable behavior.
🏡 What About Property Coverage?
If your exotic animal damages your own home or belongings—like chewing through wires or causing water damage—the loss is typically not covered under a standard policy. Similarly, loss of the animal due to illness or theft is also not usually insurable under homeowners coverage.
✅ What Colorado Homeowners Should Do
If you currently own or are considering adopting an exotic pet:
- Check local laws
Colorado and many municipalities regulate or prohibit certain species. Make sure your animal is legal before bringing it home. - Notify your insurance agent
Transparency is key. Inform your insurance provider so they can help you understand your coverage and potential exclusions. - Review your liability limits
Even if your exotic pet is covered, increasing your personal liability or adding an umbrella policy can provide added peace of mind. - Explore specialty insurance
In some cases, you may need a separate policy or endorsement to insure your animal or cover specific liabilities.
🤝 Let’s Talk About What Your Policy Actually Covers
Every homeowner—and every pet—is unique. If you’re unsure how your homeowners policy handles exotic pets, we’re happy to walk through your current coverage and help you understand the fine print. Whether it’s a hedgehog, a parrot, or something a little more unexpected, let’s make sure you’re protected from all angles.
Have questions about your coverage and exotic pets?
Let’s connect and build a plan that fits your home—and the animals in it.