Some people adopt dogs or cats, while others prefer to adopt exotic animals such as snakes or other reptiles. If you own a cold-blooded animal, you may not have thought about your home insurance. However, bringing a reptile into your home can have an impact on your home insurance! <\/p>\n\n
En effet, certains assureurs pourraient choisir de r\u00e9silier votre contrat en apprenant que vous poss\u00e9dez un reptile. Ils pourraient m\u00eame refuser de vous indemniser s\u2019ils le d\u00e9couvrent alors que vous faites une r\u00e9clamation. Nous avons justement un article qui traite de la r\u00e9siliation pour aggravation de risque<\/a>.<\/p>\n\n In this article, Assurances Multi-Risques explains what motivates this decision on the part of insurance companies. It also discusses the importance of informing your insurer if there is a reptile in your home. <\/p>\n\n According to the Civil Code of Qu\u00e9bec, <\/a>owners of animals, including reptiles, are required to compensate for any damage caused by their pets.<\/p>\n\n If a victim suffers damage caused by an animal, they do not have to prove the owner’s fault, only that of the animal. Therefore, if your animal causes harm to another person, you will be held liable for its actions. You are responsible for the animal, whether it is being looked after by someone else or even if it is lost. <\/p>\n\n La victime pourrait donc d\u00e9cider de vous poursuivre et vous pourriez \u00eatre tenu de lui verser une indemnisation. Et c\u2019est l\u00e0 que votre assurance responsabilit\u00e9<\/a> civile entre en jeu!<\/p>\n\n You benefit from civil liability insurance when you purchase home insurance. It protects you if you, someone living under your roof, or your pet are held liable for unintentional damage caused to someone else. It covers legal fees as well as costs associated with settling the other person’s claim. <\/p>\n\n As a result, some insurers consider that owning reptiles presents too high a risk of incidents. They therefore simply refuse to insure the homes of people who own them. <\/p>\n\n Do you remember the incident in New Brunswick in 2013 in which two children lost their lives after being suffocated by a python? Incidents like this can be extremely costly for insurers. It is because of the risks involved that many insurance companies refuse to insure reptile owners. <\/p>\n\nWhy do some insurers refuse to insure reptile owners?<\/h2>\n\n
Civil liability in home insurance<\/h3>\n\n
Do you need to tell your home insurer that you own a reptile?<\/h2>\n\n