Does the personal property insurance incorporate my dog Rover or my bird Tweety?
Negative, the harm your dog and your parakeet do to your personal belongings is your responsibility (or the pets`, if you can talk them into it). Your house coverage policy does most of the time cover the damage your hound creates to someone else, though. However if Rover is, say, a pit bull, you are advised tp look at your insurance plan. Some home insurance agencies exclude coverage for possibly dangerous species.
