Are your pets covered under your homeowner’s owner’s policy?
That is a good question without an easy answer.
You first need to review your current policy.
You are probably covered for damages that they cause to others.
However, more and more insurance companies are requiring a separate endorsement with an additional premium for this coverage.
The purchase of this coverage may not really be an issue, because as the owner of a pet, you are already liable for any damage caused by their pets.
Insurance may pay for any losses caused by your pet, but make sure that the monetary cost to you is worthwhile.