If a skunk gets in your house and sprays furniture is it covered?

It's highly unlikely that your homeowners or renters insurance will cover damage caused by a skunk spraying furniture.

Here's why:

* Exclusions: Most insurance policies have exclusions for damage caused by animals, specifically pests and wild animals. This is because these situations are often preventable with proper maintenance and precautions.

* "Acts of God": While some policies cover damage caused by "Acts of God," like storms or floods, skunk spray is typically not considered one of these events.

* "Sudden and Accidental": Insurance policies often require damage to be "sudden and accidental" to be covered. A skunk spraying your furniture might not meet this criteria.

What you can do:

* Contact your insurance agent: Even though it's unlikely, it's worth checking your policy for specific exclusions.

* Professional cleaning: Skunk spray is notoriously difficult to remove. You'll likely need professional cleaning services, and these costs may not be covered by insurance.

* Prevention: Take steps to deter skunks from entering your home, such as sealing entry points and keeping garbage secured.

It's always best to be prepared for the unexpected. Review your insurance policy and consider additional coverage options if needed.